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2026-04-21 0001048606 lincolnva:ContractValueDeathBenefitMember lincolnva:C000176406Member 2026-04-21 2026-04-21 0001048606 lincolnva:GeneralDeathBenefitInformationMember lincolnva:C000176406Member 2026-04-21 2026-04-21 0001048606 lincolnva:LivingBenefitsMember lincolnva:C000176406Member 2026-04-21 2026-04-21 0001048606 lincolnva:LincolnProtectedPayLifetimeIncomeSuiteMember lincolnva:C000176406Member 2026-04-21 2026-04-21 0001048606 lincolnva:C000176406Member lincolnva:FixedOptionsMember 2026-04-21 2026-04-21 pure iso4217:USD 0001048606 false 2026-04-21 N-4 N-4 Lincoln Life Variable Annuity Account N 0.0045 0.0150 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Annual Income Rates for </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income amount is calculated when you elect the rider. Upon the first Protected Annual Income withdrawal, the Protected Annual Income rate will be based on your age as of the date of that withdrawal, and thereafter may not change unless an Account Value Step-up occurs after reaching a new age band.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:217.03pt;width:93.93pt;"> <tr style="height:10.05pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:39.19%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">PAI Rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.80%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Annual Income Rates for </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income amount is calculated when you elect the rider. Upon the first Protected Annual Income withdrawal, the Protected Annual Income rate will be based on your age (or the younger of you and your spouse under the joint life option) as of the date of that withdrawal, and thereafter may not change unless an Account Value Step-up occurs after reaching a new age band.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:152.07pt;width:223.86pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:111.93pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:16.08%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life PAI Rate</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:111.93pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:16.08%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life PAI Rate</span></div></div></div></td></tr> <tr style="height:14.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:63.93pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:28.16%;margin-right:28.16%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">PAI Rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.27%;margin-right:27.27%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:39.19%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">PAI Rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:63.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.15%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:63.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.05%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:63.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.70%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:63.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.45%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.90%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:63.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.60%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Annual Income Rates for </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Select Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The initial Protected Annual Income rate is based on your age as of the date of the first Protected Annual Income withdrawal. Under the joint life option, the age of the younger of you or your spouse will be used. Thereafter the Protected Annual Income rate will only increase upon an Account Value Step-up after reaching a new age band and will decrease once the Contract Value reaches zero.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. The rate in Table B will be based on the later of (a) your age at the time the first Protected Annual Income withdrawal occurred, or (b) your age as of the Valuation Date of the most recent Account Value Step-up. If no withdrawals have been taken prior to the Contract Value reaching zero, then your current age (single life option) or the younger of you and your spouse (joint life option) will be used to determine the Protected Annual Income rate in Table B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:78.21pt;width:371.59pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9.69%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.27%;margin-right:27.27%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.05pt;"> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.10%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:78.21pt;width:371.59pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9.69%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.27%;margin-right:27.27%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.55%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.80%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.90%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Select Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:78.21pt;width:371.59pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9.69%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.27%;margin-right:27.27%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.55%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.90%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.60%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Income Benefit Percentages</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Guaranteed Income Benefit will be an amount equal to a specified percentage of your Account Value or Protected Income Base, based on your age (or the age of the youngest life under a joint life option) at the time the Guaranteed Income Benefit is elected. The following rates apply to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit elections for Contractowners who transition from </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit Percentages For Contractowners Who Transition From </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:147.79pt;width:232.42pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:116.21pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:15.49%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life GIB %</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:116.21pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.49%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life GIB %</span></div></div></div></td></tr> <tr style="height:14.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:33.10%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:61.83pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:29.11%;margin-right:29.11%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB %</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.87%;margin-right:24.87%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:43.83pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:41.07%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB %</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:61.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:43.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:61.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:43.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:61.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:43.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:61.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:43.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:61.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:43.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:61.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:43.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:61.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:43.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:123.18pt;width:281.64pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:140.82pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life GIB Percentage</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:140.82pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.78%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life GIB Percentage</span></div></div></div></td></tr> <tr style="height:14.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:33.10%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:20.82%;margin-right:20.82%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.87%;margin-right:24.87%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:26.30%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:123.18pt;width:281.64pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:140.82pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life GIB Percentage</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:140.82pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.78%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life GIB Percentage</span></div></div></div></td></tr> <tr style="height:14.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:33.10%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:20.82%;margin-right:20.82%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.87%;margin-right:24.87%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:26.30%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:54.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:86.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:68.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Charges and Deductions for Discontinued Living Benefit Riders </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk), Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage, and Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage Fees. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you have elected a Living Benefit Rider, there is a fee associated with that rider for as long as the rider is in effect. See Fee Tables or Appendix G – Current Rider Charges for Previous Elections. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The protected lifetime income fee: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">may increase every Benefit Year upon an Account Value Step-up or an Enhancement. (You may opt out of this increase – see details below.) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The fee will be deducted from the Contract Value on a quarterly basis. The first deduction of the fee 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 fixed account, if any, on the Valuation Date the protected lifetime income fee is assessed. The amount we deduct will increase or decrease as the Protected Income Base increases or decreases, because the fee is based on the Protected Income Base. Refer to Living Benefit Riders for a discussion and example of the impact of the changes to the Protected Income Base. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Opting Out of Fee Rate Increases Resulting from an Account Value Step-up </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The 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. See Fee Tables. 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 be lowered 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 single Account Value Step-up, and not to any subsequent Account Value Step-ups. You will need to notify us each time thereafter (if an Account Value Step-up would cause your fee rate to increase) if you do not want the Account Value Step-up. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The annual 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> See Living Benefit Riders. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Opting Out of Fee Rate Increases Resulting from an Enhancement </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An Enhancement to the Protected Income Base (less Purchase Payments received in the preceding Benefit Year) occurs if a 10-year Enhancement Period is in effect (as described further in the Living Benefit Rider section). During the first ten Benefit Years, an increase in the Protected Income Base as a result of the Enhancement will not cause an increase in the annual protected lifetime income fee rate but will increase the dollar amount of the fee. After the tenth Benefit Year anniversary, if the Enhancement Period has renewed, the protected lifetime income fee may increase each time the Protected Income Base increases as a result of the Enhancement. Since the Enhancement could increase your Protected Income Base each Benefit Year, your fee rate could increase each Benefit Year, but the fee rate will never exceed the stated guaranteed maximum annual fee rate. If your fee rate is increased, you may opt out of the Enhancement by giving us notice within 30 days after the Benefit Year anniversary if you do not want your fee rate to change. If you opt out of the Enhancement, the fee rate and the Protected Income Base will be lowered to the value they were immediately prior to the Enhancement, adjusted for additional Purchase Payments or Excess Withdrawals, if any, and the Enhancement will not be applied. This opt out will only apply for this single Enhancement and not to any subsequent Enhancements. You will need to notify us each time thereafter (if an Enhancement would cause your fee rate to increase) if you do not want the Enhancement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">No Opt Out of Fee Rate Increases Resulting from Purchase Payments </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The fee rate will also increase 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 fee rate increase. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">To opt out of any of the events discussed above, you may contact us in writing or by telephone (if you have proper authorization for telephone transactions in place). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The fee will be discontinued upon termination of the rider. However, a portion of the protected lifetime income fee, 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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage. If the Contract Value is reduced to zero, no further fee will be deducted.</span><span style="color:#000000;font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Appendix D — Protected Annual Income Rates for Previous Rider Elections</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:12pt;position:relative;top:-4.25pt;">SM</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Protected Annual Income Rates by Ages:</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">applications or rider election forms signed between February 17, 2026 and April 30, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:217.03pt;width:93.93pt;"> <tr style="height:10.05pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:39.19%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">PAI Rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">5.80%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">6.25%</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">applications or rider election forms signed between August 19, 2024 and February 16, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:217.03pt;width:93.93pt;"> <tr style="height:10.05pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:39.19%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">PAI Rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.95%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.20%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.35%</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">applications or rider election forms signed between August 19, 2024 and February 16, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:217.03pt;width:93.93pt;"> <tr style="height:10.05pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:39.19%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">PAI Rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.45%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:45.93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.55%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Lifetime Income SuiteProtected Annual Income Rates by Ages:</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between February 17, 2026 and April 30, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.15%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">6.05%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">6.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">5.70%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">6.45%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">5.90%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">6.60%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between September 17, 2024 and February 16, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.35%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.80%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.55%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.70%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.10%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between January 22, 2024 and September 16, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.10%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.30%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between January 2, 2024 and January 21, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.10%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.30%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">applications or rider election forms signed between October 2, 2023 and January 1, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.10%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.05%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.30%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between April 3, 2023 and October 1, 2023</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.10%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.65%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.05%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.30%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between November 28, 2022 and April 2, 2023</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.60%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.10%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between September 17, 2024 and February 16, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.35%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.90%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.55%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.10%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.30%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.90%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.45%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Secure Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between January 22, 2024 and September 16, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.35%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.55%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.10%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between January 2, 2024 and January 21, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.35%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.55%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.10%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between October 2, 2023 and January 1, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.35%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.55%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.10%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between April 3, 2023 and October 1, 2023</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.35%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.90%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.45%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.55%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.10%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between November 28, 2022 and April 2, 2023</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.85%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.35%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between February 17, 2026 and April 30, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">5.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">7.55%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">7.80%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">7.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">7.90%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">7.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Select Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between September 17, 2024 and February 16, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.70%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.20%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.90%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.10%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.60%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between April 22, 2024 and September 16, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.70%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.20%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.10%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.90%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.40%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between July 17, 2023 and April 21, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.30%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.80%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.60%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.60%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between November 28, 2022 and July 16, 2023</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.30%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.80%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.35%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.15%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.75%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Secure Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between September 17, 2024 and February 16, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.90%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.90%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.10%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.60%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between April 22, 2024 and September 16, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.10%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.85%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between July 17, 2023 and April 21, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.85%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.85%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between November 28, 2022 and July 16, 2023</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.85%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.40%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between February 17, 2026 and April 30, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">5.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">8.55%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">8.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">8.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">8.90%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">8.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">9.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">8.60%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Select Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between September 17, 2024 and February 16, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.70%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.20%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.85%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.60%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.10%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.70%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between April 22, 2024 and September 16, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.70%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.20%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.90%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.55%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.80%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between July 17, 2023 and April 21, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.30%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.80%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.90%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.55%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.80%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between April 3, 2023 and July 16, 2023</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.30%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.80%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.90%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.55%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.80%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between November 28, 2022 and April 2, 2023</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.30%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.80%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.70%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.85%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.40%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln ProtectedPay Secure Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between September 17, 2024 and February 16, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.90%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.85%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.45%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.05%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.60%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.20%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.80%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.30%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.90%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between April 22, 2024 and September 16, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between July 17, 2023 and April 21, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between April 3, 2023 and July 16, 2023</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.10%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> applications or rider election forms signed between November 28, 2022 and April 2, 2023</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:43.56pt;width:440.89pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:8.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:220.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.17%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:21.78%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:82.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.65%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.30%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:12pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Advantage 2.0 (Managed Risk)Protected Annual Income Rates by Ages:</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between July 18, 2022 and December 17, 2023</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.35%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.85%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.85%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.65%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between May 23, 2022 and July 17, 2022</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.35%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.85%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.65%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.65%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between November 15, 2021 and May 22, 2022</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.65%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between December 14, 2020 and November 14, 2021</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between September 14, 2020 and December 13, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between May 18, 2020 and September 13, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between March 16, 2020 and May 17, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.20%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.90%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.35%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.45%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.10%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.20%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between November 18, 2019 and March 15, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.40%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.10%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.30%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.70%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.40%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between July 15, 2019 and November 17, 2019</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between April 1, 2019 and July 14, 2019</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.80%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between October 1, 2018 and March 31, 2019</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) applications or rider election forms signed between August 20, 2018 and September 30, 2018</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:80.89pt;width:366.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:200.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.98%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:18.04%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">rate</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.60%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.35%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:99.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Advantage Protected Annual Income Rates by Ages:</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications or rider election forms signed between July 18, 2022 and December 17, 2023</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.35%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.45%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications or rider election forms signed between May 23, 2022 and July 17, 2022</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.35%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications or rider election forms signed between November 15, 2021 and May 22, 2022</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.15%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications or rider election forms signed between December 14, 2020 and November 14, 2021</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.05pt;"> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.15%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications or rider election forms signed between September 14, 2020 and December 13, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications or rider election forms signed between May 18, 2020 and September 13, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications or rider election forms signed between March 16, 2020 and May 17, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.85%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.65%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.65%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.55%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications or rider election forms signed between November 18, 2019 and March 15, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.85%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.85%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.35%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.55%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications or rider election forms signed between October 1, 2018 and November 17, 2019</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.15%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications or rider election forms signed between May 21, 2018 and September 30, 2018</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.89pt;width:314.21pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:139.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:12.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:174.43pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.32%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.61%;margin-right:19.61%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Income rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:91.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:73.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications and rider election forms signed between January 19, 2018 and May 20, 2018:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:70.34pt;width:387.32pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:221.54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.12%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:120.89pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:14.89%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income Rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:120.89pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:120.89pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:120.89pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:120.89pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*In order to have received the rates indicated, your application or rider election form must have been signed or dated on or before the last day of the effective period noted above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage applications and rider election forms signed between January 9, 2017 and January 18, 2018:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:70.34pt;width:387.32pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:165.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:10.86%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:221.54pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.12%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.28%;margin-right:15.28%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Rate*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:120.89pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:14.89%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Annual Income Rate*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:120.89pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:120.89pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:120.89pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:117.78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:120.89pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*In order to have received the rates indicated, your application or rider election form must have been signed or dated on or before the last day of the effective period noted above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Lincoln</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:12pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Advantage Protected Annual Income Rates by Ages:</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The rates in Table A apply prior to the Contract Value reaching zero. When the Contract Value reaches zero, Table B will always be used and, the Protected Annual Income amount will be immediately recalculated to equal the Protected Income Base multiplied by the applicable rate shown in Table B. The rate in Table B will be based on the later of (a) your age at the time the first Protected Annual Income withdrawal occurred, or (b) your age as of the Valuation Date of the most recent Account Value Step-up. If no withdrawals have been taken prior to the Contract Value reaching zero, then your current age (single life option) or the younger of you and your spouse (joint life option) will be used to determine the Protected Annual Income rate in Table B. For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Max 6 Select</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage applications or rider election forms signed between July 18, 2022 and December 17, 2023</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:78.21pt;width:371.59pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9.69%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.27%;margin-right:27.27%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* If joint life option is in effect, the younger of you and your spouse’s age applies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage applications or rider election forms signed between May 23, 2022 and July 17, 2022</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:78.21pt;width:371.59pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9.69%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.27%;margin-right:27.27%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.60%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* If joint life option is in effect, the younger of you and your spouse’s age applies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage applications or rider election forms signed between November 15, 2021 and May 22, 2022</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:78.21pt;width:371.59pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9.69%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.27%;margin-right:27.27%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* If joint life option is in effect, the younger of you and your spouse’s age applies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage applications or rider election forms signed between June 21, 2021 and November 14, 2021</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:78.21pt;width:371.59pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9.69%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.27%;margin-right:27.27%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:37.15%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 - 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.10%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* If joint life option is in effect, the younger of you and your spouse’s age applies. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage applications or rider election forms signed between December 14, 2020 and June 20, 2021</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:91.54pt;width:344.92pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:159.13pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:11.31%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.27%;margin-right:27.27%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.33%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life &amp; Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59+</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* If joint life option is in effect, the younger of you and your spouse’s age applies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage applications or rider election forms signed between May 18, 2020 and December 13, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:91.54pt;width:344.92pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:159.13pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:11.31%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.27%;margin-right:27.27%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.33%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life &amp; Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59+</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.25%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* If joint life option is in effect, the younger of you and your spouse’s age applies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage applications or rider election forms signed between October 1, 2018 and May 17, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:99.04pt;width:329.92pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:144.13pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.49%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:35.29%;margin-right:35.29%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.33%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life &amp; Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55+</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.75%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* If joint life option is in effect, the younger of you and your spouse’s age applies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage applications signed between January 19, 2018 and September 30, 2018</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:99.04pt;width:329.92pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:144.13pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.49%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:35.29%;margin-right:35.29%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.33%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life &amp; Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55+</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.50%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* If joint life option is in effect, the younger of you and your spouse’s age applies. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage applications signed between May 22, 2017 and January 18, 2018</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:99.04pt;width:329.92pt;"> <tr style="height:10.05pt;"> <td colspan="3" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:185.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:9.69%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE A</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:144.13pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.49%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">TABLE B</span></div></div></div></td></tr> <tr style="height:23.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:37.50%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:25.23%;margin-right:25.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:27.09%;margin-right:27.09%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:35.29%;margin-right:35.29%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.33%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life &amp; Joint Life</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Option*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55+</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 +</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:71.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.00%</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:66.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:93.13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* If joint life option is in effect, the younger of you and your spouse’s age applies. </span><span style="color:#000000;font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Appendix E — Guaranteed Income Benefit Percentages for Previous Rider Elections</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Advantage Select Guaranteed Income BenefitGuaranteed Income Benefit Percentages by Ages:</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit elections and for prior purchasers of </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">or </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Select Advantage</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with applications and/or rider election forms signed between August 19, 2024 and April 30, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*In order to have received the percentage indicated, your application or rider election form must have been signed or dated on or before the last day of the effective period noted above. Purchasers of </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Select Advantage may use any remaining Protected Income Base to establish the initial Guaranteed Income Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit for prior purchasers of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Select Advantage</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with applications and/or rider election forms signed between November 28, 2022 and August 18, 2024</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.15%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.15%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*In order to have received the percentage indicated, your application or rider election form must have been signed or dated on or before the last day of the effective period noted above. Purchasers of </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Select Advantage may use any remaining Protected Income Base to establish the initial Guaranteed Income Benefit.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit for prior purchasers of Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage with applications </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">and/or rider election forms signed between December 14, 2020 and December </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">17, 2023, or for prior purchasers of </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Select Advantage with applications and/or rider election forms signed between December 14, 2020 and November 27, 2022</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*In order to have received the percentage indicated, your application or rider election form must have been signed or dated on or before the last day of the effective period noted above. Purchasers of Lincoln</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;"> Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Advantage may use any remaining Protected Income Base reduced by all Protected Annual Income payments </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">since the last Account Value Step-up, if any, or the rider’s effective date (if there have not been any Account Value Step-ups) if greater than the Account Value to establish the initial Guaranteed Income Benefit. Purchasers of </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Select Advantage may use any remaining Protected Income Base to establish the initial Guaranteed Income Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit for prior purchasers of Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Select Advantage with applications and/or rider election forms signed between May 18, 2020 and December 13, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*In order to have received the percentage indicated, your application or rider election form must have been signed or dated on or before the last day of the effective period noted above. Purchasers of Lincoln</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;"> Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Advantage may use any remaining Protected Income Base reduced by all Protected Annual Income payments since the last Account Value Step-up, if any, or the rider’s effective date (if there have not been any Account Value Step-ups) if greater than the Account Value to establish the initial Guaranteed Income Benefit. Purchasers of </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Select Advantage may use any remaining Protected Income Base to establish the initial Guaranteed Income Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit for prior purchasers of Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Select Advantage with applications and/or rider election forms signed between November 18, 2019 and May 17, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*In order to have received the percentage indicated, your application or rider election form must have been signed or dated on or before the last day of the effective period noted above. Purchasers of Lincoln</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;"> Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Advantage may use any remaining Protected Income Base reduced by all Protected Annual Income payments since the last Account Value Step-up, if any, or the rider’s effective date (if there have not been any Account Value Step-ups) if greater than the Account Value to establish the initial Guaranteed Income Benefit. Purchasers of </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Select Advantage may use any remaining Protected Income Base to establish the initial Guaranteed Income Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit elections between January 9, 2017 and May 18, 2020, or for prior purchasers </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">of Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Select Advantage with applications and/or rider election forms signed between January 9, 2017 and November 17, 2019</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option**</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*In order to have received the percentage indicated, your application or rider election form must have been signed or dated on or before the last day of the effective period noted above. Purchasers of Lincoln</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;"> Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Advantage may use any remaining Income Base reduced by all Guaranteed Annual Income payments since </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">the last Automatic Annual Step-up, if any, or the rider’s effective date (if there have not been any Automatic Annual Step-ups) if greater than the Account Value to establish the initial Guaranteed Income Benefit. Purchasers of </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Select Advantage may use any remaining Protected Income Base to establish the initial Guaranteed Income Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**If joint life option is in effect, the younger of you and your spouse’s age applies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Advantage Guaranteed Income Benefit (Managed Risk)Guaranteed Income Benefit Percentages by Ages:</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guaranteed Income Benefit (Managed Risk) elections and for prior purchasers of </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> between November 28, 2022 and February 16, 2026</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guaranteed Income Benefit (Managed Risk) elections between May 23, 2022 and November 27, 2022, or for prior purchasers of </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) between May 23, 2022 and December 17, 2023</span><span style="font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guaranteed Income Benefit (Managed Risk) elections and for prior purchasers of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage 2.0 (Managed Risk) between December 14, 2020 and May 22, 2022</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guaranteed Income Benefit (Managed Risk) elections and for prior purchasers of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage 2.0 (Managed Risk) between May 18, 2020 and December 13, 2020</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.20%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.75%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guaranteed Income Benefit (Managed Risk) elections between November 18, 2019 and May 17, 2020.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.75%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.25%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* For additional Rate Sheet information see Living Benefit Riders – Rate Sheets.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guaranteed Income Benefit (Managed Risk) elections between February 19, 2019 and November 17, 2019.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:96.85pt;width:334.29pt;"> <tr style="height:10.05pt;"> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:161.20pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:11.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Single Life Option</span></div></div></div></td> <td colspan="2" style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:173.09pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:10.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Joint Life Option</span></div></div></div></td></tr> <tr style="height:32.1pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:25.44%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:19.90%;margin-right:19.90%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:17.88%;margin-right:17.88%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Age</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(younger of you and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">your spouse’s age)</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:24.85%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">GIB Percentage*</span></div></div></div></td></tr> <tr style="height:13.85pt;"> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under age 40</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:1.25pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40 – 54</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55 – 58</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">59 – 64</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65 – 69</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.50%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70 – 74</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.00%</span></div></div></td></tr> <tr style="height:12.6pt;"> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">75 – 79</span></div></div></td> <td style="padding-bottom:2.8pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.25%</span></div></div></td></tr> <tr style="height:11.8pt;"> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:70.76pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="border-right:1pt solid #000000;padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:90.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:100.65pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;margin-right:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80+</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.8pt;vertical-align:Bottom;width:72.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:17.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">* For additional Rate Sheet information see Living Benefit Riders – Rate Sheets. </span><span style="color:#000000;font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Appendix F — Enhancement Rates for Previous Rider Elections</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Lifetime Income Suite and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:12pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Enhancement Rates:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:20pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:208.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">If your rider was purchased:</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:210pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">The Enhancement is…</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:109.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">The Enhancement is…</span></div></div></td></tr> <tr style="height:54pt;"> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Select riders elected prior to April </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">30, 2026</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Secure riders elected prior to </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">February 17, 2026</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Equal to the Enhancement Value (initial Enhancement </span></div> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Value = Protected Income Base, and is increased by </span></div> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base x Enhancement Rate)</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:12pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Advantage 2.0 (Managed Risk) Enhancement Rates:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:28pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:208.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">If your rider was purchased:</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:210pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">The Enhancement is based on the…</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:109.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">…multiplied by the </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">Enhancement Rate of…</span></div></div></td></tr> <tr style="height:19pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between July 18, 2022 and December 17, 2023</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6%</span></div></div></td></tr> <tr style="height:19pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between May 18, 2020 and July 17, 2022</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between February 20, 2018 (April 2, 2018, if your rider </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">was elected after the contract issue date), and May 17, </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">2020, subject to state availability</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6%</span></div></div></td></tr> <tr style="height:26pt;"> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Prior to February 20, 2018 (April 2, 2018, if your rider </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">was elected after the contract issue date)</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Protected Income Base</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Advantage Enhancement Rates:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:28pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:208.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">If your rider was purchased:</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:210pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">The Enhancement is based on the…</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:109.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">…multiplied by the </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">Enhancement Rate of…</span></div></div></td></tr> <tr style="height:19pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between July 18, 2022 and December 17, 2023</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6%</span></div></div></td></tr> <tr style="height:19pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between May 18, 2020 and July 17, 2022</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between February 20, 2018 (April 2, 2018 if your rider </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">was elected after the contract issue date) and May 17, </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">2020, subject to state availability</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6%</span></div></div></td></tr> <tr style="height:52pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between August 29, 2016 (October 3, 2016 if your rider </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">was elected after the contract issue date) and February </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">19, 2018 (April 1, 2018 if your rider was elected after </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">the contract issue date)</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Protected Income Base</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5%</span></div></div></td></tr> <tr style="height:26pt;"> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Prior to August 29, 2016 (October 3, 2016 if your rider </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">was elected after the contract issue date)</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">N/A</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Lincoln</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:12pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Advantage</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Enhancement Rates:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:28pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:208.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">If your rider was purchased:</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:210pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">The Enhancement is based on the…</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:109.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">…multiplied by the </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">Enhancement Rate of…</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between July 18, 2022 and December 17, 2023</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:28pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:208.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">If your rider was purchased:</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:210pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">The Enhancement is based on the…</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:109.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">…multiplied by the </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">Enhancement Rate of…</span></div></div></td></tr> <tr style="height:19pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between May 18, 2020 and July 17, 2022</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Prior to May 18, 2020</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Select Advantage Enhancement Rates:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:28pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:208.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">If your rider was purchased:</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:210pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">The Enhancement is based on the…</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:109.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">…multiplied by the </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">Enhancement Rate of…</span></div></div></td></tr> <tr style="height:41pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between November 28, 2022 and April 30, 2026</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Equal to the Enhancement Value (initial Enhancement </span></div> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Value = Protected Income Base, and is increased by </span></div> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base x Enhancement Rate)</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6%</span></div></div></td></tr> <tr style="height:19pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between August 22, 2022 and November 27, 2022</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6%</span></div></div></td></tr> <tr style="height:19pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between May 18, 2020 and August 21, 2022</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5%</span></div></div></td></tr> <tr style="height:30pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Between June 11, 2018 and May 17, 2020, subject to </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">state availability</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Enhancement Base</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Prior to June 11, 2018</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Protected Income Base</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5%</span></div></div></td></tr></table> 0.0150 0.0160 0.0150 0.0160 0.0150 0.0160 0.0150 0.0160 0.0155 0.0175 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:23.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES, EXPENSES, AND ADJUSTMENTS</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Prospectus</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No:</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">There are no surrender charges associated with the Contract.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">N/A</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:53pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No:</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Contract does not impose any transaction charges.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Charges, Other </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Deductions, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Adjustments</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:113pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes:</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum and Maximum Annual Fee Table. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The table below describes the fees and </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses that you may pay </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, depending on the investment options and </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">optional benefits you choose. Please refer to your contract specifications page in your </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract for information about the specific fees and expenses you will pay each year </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">based on the options you have elected. These charges do not reflect any advisory fees </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">paid to a financial intermediary from Contract Value or other assets of the </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contractowner. If such charges were reflected, the ongoing fees and expenses would be </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">higher.</span></div></div></td> <td rowspan="5" style="border-bottom:1pt solid ;padding-bottom:4pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Fee Tables</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Fee Tables – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Examples</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Charges, Other </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Deductions, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Adjustments</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Appendix A – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Investment </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Options </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Available </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Under the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Contract</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Minimum</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Base Contract</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.51</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.71</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund fees and expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.23</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.76</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional benefits available for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">additional charge (for a single optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefit, if elected)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.40</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">3</span></div></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">1</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> As a percentage of average Contract Value. For the base contract, also includes an amount attributable </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">to the Annual Account Fee.</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">2</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> As a percentage of fund net assets, before expense reimbursements or fee waiver arrangements.</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">3</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> As an annualized percentage of the Protected Income Base.</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lowest and Highest Annual Cost Table. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">choices you make affect how much you will pay. To help you understand the cost of </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">owning your Contract, the following table shows the lowest and highest cost you could </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that you do not take </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawals from the Contract.</span></div></div></td> <td style="padding-bottom:4pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost: $</span><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">907</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost: $</span><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">7,690</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:114.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Least expensive fund fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No optional benefits</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No additional Purchase Payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">transfers, or withdrawals</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No sales charges or advisory fees</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Most expensive combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">optional benefits and fund fees and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No additional Purchase Payments, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">transfers, or withdrawals</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No sales charges or advisory fees</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No:</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">There are no surrender charges associated with the Contract.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">N/A</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:53pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No:</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Contract does not impose any transaction charges.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Charges, Other </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Deductions, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Adjustments</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:113pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes:</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum and Maximum Annual Fee Table. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The table below describes the fees and </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses that you may pay </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, depending on the investment options and </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">optional benefits you choose. Please refer to your contract specifications page in your </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract for information about the specific fees and expenses you will pay each year </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">based on the options you have elected. These charges do not reflect any advisory fees </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">paid to a financial intermediary from Contract Value or other assets of the </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contractowner. If such charges were reflected, the ongoing fees and expenses would be </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">higher.</span></div></div></td> <td rowspan="5" style="border-bottom:1pt solid ;padding-bottom:4pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Fee Tables</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Fee Tables – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Examples</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Charges, Other </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Deductions, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Adjustments</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Appendix A – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Investment </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Options </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Available </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Under the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Contract</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Minimum</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Base Contract</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.51</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.71</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund fees and expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.23</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.76</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional benefits available for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">additional charge (for a single optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefit, if elected)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.40</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:90pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:78pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:normal;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">3</span></div></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">1</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> As a percentage of average Contract Value. For the base contract, also includes an amount attributable </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">to the Annual Account Fee.</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">2</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> As a percentage of fund net assets, before expense reimbursements or fee waiver arrangements.</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">3</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> As an annualized percentage of the Protected Income Base.</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lowest and Highest Annual Cost Table. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">choices you make affect how much you will pay. To help you understand the cost of </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">owning your Contract, the following table shows the lowest and highest cost you could </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that you do not take </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawals from the Contract.</span></div></div></td> <td style="padding-bottom:4pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost: $</span><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">907</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost: $</span><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">7,690</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:114.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Least expensive fund fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No optional benefits</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No additional Purchase Payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">transfers, or withdrawals</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No sales charges or advisory fees</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Most expensive combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">optional benefits and fund fees and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No additional Purchase Payments, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">transfers, or withdrawals</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No sales charges or advisory fees</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> 0.0051 0.0071 0.0023 0.0276 0.0040 0.0275 <span style="font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">1</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> As a percentage of average Contract Value. For the base contract, also includes an amount attributable </span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">to the Annual Account Fee.</span> <span style="font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">2</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> As a percentage of fund net assets, before expense reimbursements or fee waiver arrangements.</span> <span style="font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">3</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> As an annualized percentage of the Protected Income Base.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lowest and Highest Annual Cost Table. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">choices you make affect how much you will pay. To help you understand the cost of </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">owning your Contract, the following table shows the lowest and highest cost you could </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that you do not take </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawals from the Contract.</span></div></div></td> <td style="padding-bottom:4pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost: $</span><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">907</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost: $</span><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">7,690</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:114.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Least expensive fund fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No optional benefits</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No additional Purchase Payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">transfers, or withdrawals</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No sales charges or advisory fees</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Most expensive combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">optional benefits and fund fees and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No additional Purchase Payments, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">transfers, or withdrawals</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">No sales charges or advisory fees</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> 907 907 7690 7690 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:23.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Prospectus</span></div></div></td></tr> <tr style="height:68pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is There a Risk of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Loss From Poor </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes:</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">You can lose money by investing in this Contract, including loss of principal.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Principal Risks</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Investments of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">the Variable </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Annuity </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Account</span></div></div></td></tr> <tr style="height:137pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is This a Short-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term Investment?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No:</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">This Contract is not designed for short-term investing and is not appropriate for the </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">investor who needs ready access to cash.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">The benefits of tax deferral, long-term income, and living benefit protections mean </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">the Contract is more beneficial to investors with a long-term investment horizon.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Surrenders and withdrawals are subject to ordinary income tax and may be subject </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">to tax penalties.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Fee Tables</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Principal Risks</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Surrenders and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Withdrawals</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Benefits </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Available </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Under the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Contract</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Fixed Side of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">the Contract</span></div></div></td></tr> <tr style="height:95pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What are the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks Associated </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">With the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">An investment in this Contract is subject to the risk of poor investment performance </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">of the investment options you choose. Performance can vary depending on the </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">performance of the investment options available under the Contract.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Each investment option (including the fixed account option) has its own unique risks.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">You should review the available investment options before making an investment </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Principal Risks</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Investments of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">the Variable </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Annuity </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">Account</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Fixed Side of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">the Contract</span></div></div></td></tr> <tr style="height:77pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What Are the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks Related to </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">the Insurance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Company?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:360pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;margin-top:2pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">An investment in the Contract is subject to the risks related to Lincoln Life. Any </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">obligations (including under the fixed account option), guarantees, or benefits of the </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">Contract are subject to our claims-paying ability. If we experience financial distress, </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">we may not be able to meet our obligations to you. More information about Lincoln </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">New York, including our financial strength ratings, is available upon request by </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">calling 1-800-454-6265 or visiting www.LincolnFinancial.com.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:84pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Principal Risks</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.56pt;">Fixed Side of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.66pt;">the Contract</span></div></div></td></tr></table> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes:</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">You can lose money by investing in this Contract, including loss of principal.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No:</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">This Contract is not designed for short-term investing and is not appropriate for the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">investor who needs ready access to cash.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">The benefits of tax deferral, long-term income, and living benefit protections mean </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">the Contract is more beneficial to investors with a long-term investment horizon.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Surrenders and withdrawals are subject to ordinary income tax and may be subject </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">to tax penalties.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">An investment in this Contract is subject to the risk of poor investment performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">of the investment options you choose. Performance can vary depending on the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">performance of the investment options available under the Contract.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Each investment option (including the fixed account option) has its own unique risks.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">You should review the available investment options before making an investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">decision.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">An investment in the Contract is subject to the risks related to Lincoln Life. Any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">obligations (including under the fixed account option), guarantees, or benefits of the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">Contract are subject to our claims-paying ability. If we experience financial distress, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">we may not be able to meet our obligations to you. More information about Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">New York, including our financial strength ratings, is available upon request by </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">calling 1-800-454-6265 or visiting www.LincolnFinancial.com.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes:</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Not all investment options may be available for investment under your Contract.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">The availability of investment options may vary depending on the broker-dealer </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">through which the Contract is sold.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">We reserve the right to remove or substitute any funds as investment options that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">are available under the Contract.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">You are generally restricted to no more than 12 transfers between investment options </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">per Contract Year. Your ability to transfer between investment options may also be </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">restricted as a result of Investment Requirements if you have elected an optional </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">benefit.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes:</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Optional benefits may have limitations or restrictions, including the investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">options that you may select under the Contract. We may change these restrictions in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">the future.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Optional benefit availability may vary by state of issue. All variations, if material, will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">be disclosed in the prospectus.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Excess Withdrawals may reduce the value of an optional benefit by an amount </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">greater than the value withdrawn or result in termination of the benefit.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">You are required to have a certain level of Contract Value for some new benefit </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">elections.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">We may modify or stop offering an optional benefit that is currently available at any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">time.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">If you elect certain optional benefits, you may be limited in the amount of Purchase </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">Payments that you can make (and when).</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">If you elect to pay third-party advisory fees out of your Contract Value, this deduction </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">may reduce the Death Benefit(s) and other guaranteed benefits, and may be subject </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">to federal and state income taxes and a 10% federal penalty tax.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Consult with a tax professional to determine the tax implications of an investment in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">and payments received under this Contract.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">If you purchase the Contract through a tax-qualified plan or IRA, you do not get any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">additional tax benefit under the Contract.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Earnings on your Contract may be taxed at ordinary income tax rates when you </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">withdraw them, and you may have to pay a penalty if you take a withdrawal before </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">age 59½.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">Your financial professional may receive compensation for selling this Contract to you, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">both in the form of commissions and because we may share the revenue it earns </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">with the professional’s firm. (Your investment professional may be your broker, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">investment adviser, insurance agent, or someone else.)</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">This potential conflict of interest may influence your investment professional to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">recommend this Contract over another investment.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">You should only exchange your contract if you determine, after comparing the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">features, fees, and risks of both contracts, that it is better for you to purchase the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.66pt;">new contract rather than continue to own your existing contract.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Fee Tables </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. These charges do not reflect any advisory fees paid to a financial intermediary from Contract Value or other assets of the Contractowner. If such charges were reflected, the ongoing fees and expenses would be higher. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">TRANSACTION EXPENSES</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:auto;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:510.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">There are </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">no</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> sales charges, deferred sales charges, or surrender charges associated with the Contract.</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The next table describes the fees and expenses that you will pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">ANNUAL CONTRACT EXPENSES</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;table-layout:auto;"> <tr style="height:16pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Expense (Annual Account Fee):</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.83pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">50</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;table-layout:auto;"> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(as a percentage of average Contract Value)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guarantee of Principal Death Benefit:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2, 3, 4</span> <div style="clear:right;"> </div></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Age at Issue 1 - 80</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Age at Issue 81 – 85</span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Expenses (Death Benefit Charges)</span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Highest Anniversary Death Benefit:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">5</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Current Annual Charge</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;">0.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Death Benefit:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 7</span> <div style="clear:right;"> </div></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:10pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;">1.60</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:26pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Expenses (Protected Lifetime Income Fees)</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 8</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.38pt;">N/A</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:10pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lifetime income suite:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage 2.0 (Managed Risk):</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Max 6 Select</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Select Advantage riders elected on and after </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">November 28, 2022</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 10</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Select Advantage riders elected prior to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">November 28, 2022</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">10</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:10pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">11</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:16pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Current Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">0.40</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">0.40</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage Select Guaranteed Income Benefit riders elected on and after </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">August 19, 2024</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 12</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage Guaranteed Income Benefit (Managed Risk):</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 12</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage Select Guaranteed Income Benefit riders elected prior to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">August 19, 2024</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">12</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:10pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Current Charge</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.10</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.30</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">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 $50,000 or more on the contract anniversary (or day of surrender).</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The product charge consists of a mortality and expense risk charge of 0.40% and an administrative charge of 0.10% for contracts issued at ages 1 - 80. The product charge consists of a mortality and expense risk charge of 0.60% and an administrative charge of 0.10% for contracts issued at ages 81 - 85. The product charge consists of a mortality and expense risk charge of 0.30% and an administrative charge of 0.10% for all contracts on and after the selection of an Annuity Payout option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The product charge is based on the oldest Contractowner's or Annuitant's age at the time the Contract is issued. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">4</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The Guarantee of Principal Death Benefit will automatically terminate if all Contractowners and Annuitants are changed. If this happens, the Contract Value Death Benefit will be in effect, and the Product Charge of 0.40% for the Contract Value Death Benefit will apply.</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">5</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the highest anniversary value at the time of the charge. We will deduct this charge from the Contract Value on a quarterly basis, with the first deduction occurring on the Valuation Date on or next following the three-month anniversary of the rider effective date. See the Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments section for a discussion of how the charge is calculated. The Guarantee of Principal Death Benefit product charge also applies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The current charge for new elections of this rider is disclosed in a Rate Sheet. The rates and/or percentages from previous effective periods are included in an Appendix to this prospectus. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">7</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the sum of all Purchase Payments portion of the death benefit amount at the time of the charge. We will deduct this charge from the Contract Value on a quarterly basis, with the first deduction occurring on the Valuation Date on or next following the three-month anniversary of the rider effective date. See the Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments section for a discussion of how the charge is calculated. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">8</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the Fee Basis Amount, as increased by subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by withdrawals. This charge is deducted from the Contract Value on a quarterly basis. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">9</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the Protected Income Base, as increased by subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by Excess Withdrawals. This fee is deducted from the Contract Value proportionately on a quarterly basis. This same fee applies when transitioning to the appropriate version of </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit (if available). See Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — Protected Lifetime Income Fees for more information about the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> lifetime income suite. A discussion of the charges for </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage 2.0 (Managed Risk), Lincoln </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage and Lincoln </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Max 6 Select</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage can be found in an Appendix to this prospectus.</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">10</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the Protected Income Base (initial Purchase Payment or Contract Value at the time of election), as increased for subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by withdrawals (excluding Advisory Fee Withdrawals). This fee is deducted from the Contract Value on a quarterly basis. The same fee applies to the appropriate version of </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit (if available). See Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — Protected Lifetime Income Fees for more information about your Living Benefit Rider.</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">11</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of average Account Value, computed daily. This charge is assessed only on and after the effective date of </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage and is added to your base contract expense. These charges continue during the Access Period. During the Lifetime Income Period, the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge rate of 0.40% is added to the Contract Value Death Benefit base contract expense. See Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Charge for more information. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">12</span><span style="font-family:Arial Narrow;font-size:8pt;">These charges are added to the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge to comprise the total charges. During the Lifetime Income Period, the Guaranteed Income Benefit charge rate is added to the Contract Value Death Benefit base contract expense plus the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge. The current annual charge rate for Select Guaranteed Income Benefit may increase periodically to the rate listed above upon the next automatic step-up of the Guaranteed Income Benefit. See Charges, </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit Charge for further information.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:11pt;">  </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The next item 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. Expenses shown may change over time and may be higher or lower in the future. A complete list of funds available under the Contract, including their annual expenses, may be found in an appendix to this prospectus. See Appendix A</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">–</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Investment Options Available Under the Contract.</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:480pt;"> <tr style="height:20.75pt;"> <td style="vertical-align:Bottom;width:350.43pt;"> <div style="line-height:15.0pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;margin-left:0.0pt;">Annual Fund Expenses</span></div></div></td> <td style="vertical-align:Bottom;width:43.12pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:13.91%;margin-right:13.91%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Minimum</span></div></div></div></td> <td style="vertical-align:Bottom;width:86.45pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:6.94%;margin-right:27.76%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Maximum</span></div></div></div></td></tr> <tr style="height:37.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:350.43pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Expenses that are deducted from the fund assets, including </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:20pt;">management fees, distribution and/or service (12b-1) fees, and other </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:20pt;">expenses before any fee waivers or expense reimbursements.</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.12pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.12pt;"> <div style="display:flex;margin:auto;width:19.5pt;"> <div style="display:flex;white-space:nowrap;width:19.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:19.5pt;">0.23</span></div> <div style="display:flex;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">%</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:86.45pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:32.45pt;"> <div style="display:flex;margin:auto;width:19.5pt;"> <div style="display:flex;white-space:nowrap;width:19.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:19.5pt;">2.76</span></div> <div style="display:flex;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">%</span></div></div></div></td></tr> <tr style="height:35.5pt;"> <td style="vertical-align:Bottom;width:350.43pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Expenses that are deducted from the fund assets, including </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:20pt;">management fees, distribution and/or service (12b-1) fees, and other </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:20pt;">expenses after any fee waivers or expense reimbursements.</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.12pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.12pt;"> <div style="display:flex;margin:auto;width:19.5pt;"> <div style="display:flex;white-space:nowrap;width:19.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:19.5pt;">0.23</span></div> <div style="display:flex;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">%</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:86.45pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:32.45pt;"> <div style="display:flex;margin:auto;width:19.5pt;"> <div style="display:flex;white-space:nowrap;width:19.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:19.5pt;">1.25</span></div> <div style="display:flex;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">%</span></div></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="font-family:Arial Narrow;font-size:8pt;">Any fee waivers or expense reimbursements will remain in effect until at least April 30, 2027, and can only be terminated early with approval by the fund’s board of directors.</span><span style="color:#000000;font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Appendix G — Current Rider Charges for Previous Elections </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The following tables reflect the current charge for optional Living Benefit Riders by election date. The current charges for new elections are disclosed in a Rate Sheet supplement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Optional Protected Lifetime Income Fees:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:12pt;position:relative;top:-4.25pt;">SM</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:26pt;"> <td style="vertical-align:Bottom;width:446.39pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="vertical-align:Bottom;width:33pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td></tr> <tr style="height:23pt;"> <td style="background-color:azure;vertical-align:Bottom;width:446.39pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> riders elected between August 19, 2024 and April 30, </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2026</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:33pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td></tr> <tr style="height:20pt;"> <td style="vertical-align:Bottom;width:446.39pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln ProtectedPay Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> riders elected between August 19, 2024 and February </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">16, 2026</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td> <td style="vertical-align:Bottom;width:33pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">N/A</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Lifetime Income Suite</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:26pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Select riders elected between November 28, 2022 and April 30, 2026</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.60%</span></div></div></td></tr> <tr style="height:10pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Secure riders elected between November 28, 2022 and February 16, 2026</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.60%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:12pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Advantage 2.0 (Managed Risk)</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:26pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders elected between December 14, 2020 and December 17, 2023</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.60%</span></div></div></td></tr> <tr style="height:10pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders elected between May 21, 2018 and December 13, 2020</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Lincoln</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Advantage</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:26pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders elected between December 14, 2020 and December 17, 2023</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.60%</span></div></div></td></tr> <tr style="height:20pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders elected between August 29, 2016 (October 3, 2016 for existing Contractowners) and December 13, </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2020</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:12pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Advantage</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:26pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders elected between December 14, 2020 and December 17, 2023</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.60%</span></div></div></td></tr> <tr style="height:10pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders elected on or prior to December 13, 2020</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Select Advantage</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:auto;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:16pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders elected between December 14, 2020 and April 30, 2026</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.60%</span></div></div></td></tr> <tr style="height:10pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders elected on or prior to December 13, 2020</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Advantage Guaranteed Income Benefit</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:26pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td></tr> <tr style="height:23pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage Select Guaranteed Income Benefit riders elected between August 19, 2024 and April 30, </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2026</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.15%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.35%</span></div></div></td></tr> <tr style="height:20pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage Guaranteed Income Benefit (Managed Risk) riders elected between May 21, 2018 and </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">February 16, 2026</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">0.95%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.15%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Advantage Guaranteed Income Benefit (Managed Risk) for Contractowners who Transition from</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:12pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Advantage 2.0 (Managed Risk) or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Advantage (Managed Risk)</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:26pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td></tr> <tr style="height:23pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:10pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advantage Guaranteed Income Benefit (Managed Risk) for </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage 2.0 </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Managed Risk) riders elected between December 14, 2020 and December 17, 2023</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.60%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:23pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:10pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advantage Guaranteed Income Benefit (Managed Risk) for </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage 2.0 </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Managed Risk) riders elected between May 21, 2018 and December 13, 2020</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:20pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:10pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advantage Guaranteed Income Benefit (Managed Risk) for </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage 2.0 </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Managed Risk) riders elected prior to May 21, 2018 and for all </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage (Managed Risk) riders</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.05%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">Advantage Guaranteed Income Benefit for Contractowners who Transition from Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Advantage or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:12pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> Select Advantage</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:26pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td></tr> <tr style="height:33pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:10pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advantage Select Guaranteed Income Benefit for Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage riders elected </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">between December 14, 2020 and December 17, 2023 and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Select Advantage riders elected between </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">December 14, 2020 and April 30, 2026</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.60%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:33pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:10pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advantage Select Guaranteed Income Benefit for Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage riders elected </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">between August 29, 2016 (October 3, 2016 for existing Contractowners) and December 13, 2020 and </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Select Advantage riders on or prior to December 13, 2020</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:20pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:10pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advantage Guaranteed Income Benefit (version 4) for Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage riders </span></div> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">elected prior to August 29, 2016 (October 3, 2016 for existing Contractowners)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">0.95%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.15%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:auto;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:510.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">There are </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">no</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> sales charges, deferred sales charges, or surrender charges associated with the Contract.</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:13pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;table-layout:auto;"> <tr style="height:16pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Expense (Annual Account Fee):</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.83pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">50</span></div></div></td></tr></table> 0 0 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The next table describes the fees and expenses that you will pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <div> </div><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;">ANNUAL CONTRACT EXPENSES</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;table-layout:auto;"> <tr style="height:16pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Expense (Annual Account Fee):</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.83pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">50</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;table-layout:auto;"> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(as a percentage of average Contract Value)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guarantee of Principal Death Benefit:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2, 3, 4</span> <div style="clear:right;"> </div></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Age at Issue 1 - 80</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Age at Issue 81 – 85</span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Expenses (Death Benefit Charges)</span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Highest Anniversary Death Benefit:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">5</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Current Annual Charge</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;">0.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Death Benefit:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 7</span> <div style="clear:right;"> </div></div></div></td> <td style="vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:10pt;"> <td style="background-color:azure;vertical-align:Bottom;width:466.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;">1.60</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:26pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Expenses (Protected Lifetime Income Fees)</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Single</span></div> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Joint</span></div> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Life</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 8</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:11.38pt;">N/A</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:10pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lifetime income suite:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage 2.0 (Managed Risk):</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Max 6 Select</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Select Advantage riders elected on and after </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">November 28, 2022</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 10</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Select Advantage riders elected prior to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">November 28, 2022</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">10</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:10pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">11</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523.5pt;"> <tr style="height:16pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Current Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">0.40</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">0.40</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage Select Guaranteed Income Benefit riders elected on and after </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">August 19, 2024</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 12</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.75</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage Guaranteed Income Benefit (Managed Risk):</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6, 12</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage Select Guaranteed Income Benefit riders elected prior to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">August 19, 2024</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">12</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Guaranteed Maximum Annual Charge</span></div></div></td> <td style="vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.25</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">2.45</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:10pt;"> <td style="background-color:azure;vertical-align:Bottom;width:440.56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Current Charge</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:44.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.10</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:38.83pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:7pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;">1.30</span><span style="font-family:Arial Narrow;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">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 $50,000 or more on the contract anniversary (or day of surrender).</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The product charge consists of a mortality and expense risk charge of 0.40% and an administrative charge of 0.10% for contracts issued at ages 1 - 80. The product charge consists of a mortality and expense risk charge of 0.60% and an administrative charge of 0.10% for contracts issued at ages 81 - 85. The product charge consists of a mortality and expense risk charge of 0.30% and an administrative charge of 0.10% for all contracts on and after the selection of an Annuity Payout option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The product charge is based on the oldest Contractowner's or Annuitant's age at the time the Contract is issued. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">4</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The Guarantee of Principal Death Benefit will automatically terminate if all Contractowners and Annuitants are changed. If this happens, the Contract Value Death Benefit will be in effect, and the Product Charge of 0.40% for the Contract Value Death Benefit will apply.</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">5</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the highest anniversary value at the time of the charge. We will deduct this charge from the Contract Value on a quarterly basis, with the first deduction occurring on the Valuation Date on or next following the three-month anniversary of the rider effective date. See the Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments section for a discussion of how the charge is calculated. The Guarantee of Principal Death Benefit product charge also applies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The current charge for new elections of this rider is disclosed in a Rate Sheet. The rates and/or percentages from previous effective periods are included in an Appendix to this prospectus. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">7</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the sum of all Purchase Payments portion of the death benefit amount at the time of the charge. We will deduct this charge from the Contract Value on a quarterly basis, with the first deduction occurring on the Valuation Date on or next following the three-month anniversary of the rider effective date. See the Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments section for a discussion of how the charge is calculated. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">8</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the Fee Basis Amount, as increased by subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by withdrawals. This charge is deducted from the Contract Value on a quarterly basis. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">9</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the Protected Income Base, as increased by subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by Excess Withdrawals. This fee is deducted from the Contract Value proportionately on a quarterly basis. This same fee applies when transitioning to the appropriate version of </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit (if available). See Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — Protected Lifetime Income Fees for more information about the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> lifetime income suite. A discussion of the charges for </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage 2.0 (Managed Risk), Lincoln </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage and Lincoln </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Max 6 Select</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage can be found in an Appendix to this prospectus.</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">10</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the Protected Income Base (initial Purchase Payment or Contract Value at the time of election), as increased for subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by withdrawals (excluding Advisory Fee Withdrawals). This fee is deducted from the Contract Value on a quarterly basis. The same fee applies to the appropriate version of </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit (if available). See Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — Protected Lifetime Income Fees for more information about your Living Benefit Rider.</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">11</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of average Account Value, computed daily. This charge is assessed only on and after the effective date of </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage and is added to your base contract expense. These charges continue during the Access Period. During the Lifetime Income Period, the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge rate of 0.40% is added to the Contract Value Death Benefit base contract expense. See Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Charge for more information. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">12</span><span style="font-family:Arial Narrow;font-size:8pt;">These charges are added to the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge to comprise the total charges. During the Lifetime Income Period, the Guaranteed Income Benefit charge rate is added to the Contract Value Death Benefit base contract expense plus the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge. The current annual charge rate for Select Guaranteed Income Benefit may increase periodically to the rate listed above upon the next automatic step-up of the Guaranteed Income Benefit. See Charges, </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit Charge for further information.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:11pt;">  </span> 50 0.0050 0.0070 0.0125 0.0025 0.0160 0.0275 0.0275 0.0275 0.0225 0.0245 0.0225 0.0245 0.0225 0.0245 2022-11-28 0.0275 0.0275 2022-11-28 0.0225 0.0245 0.0040 0.0040 2024-08-19 0.0275 0.0275 0.0225 0.0245 2024-08-19 0.0225 0.0245 0.0110 0.0130 <span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">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 $50,000 or more on the contract anniversary (or day of surrender).</span> <span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The product charge consists of a mortality and expense risk charge of 0.40% and an administrative charge of 0.10% for contracts issued at ages 1 - 80. The product charge consists of a mortality and expense risk charge of 0.60% and an administrative charge of 0.10% for contracts issued at ages 81 - 85. The product charge consists of a mortality and expense risk charge of 0.30% and an administrative charge of 0.10% for all contracts on and after the selection of an Annuity Payout option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The product charge is based on the oldest Contractowner's or Annuitant's age at the time the Contract is issued. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">4</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The Guarantee of Principal Death Benefit will automatically terminate if all Contractowners and Annuitants are changed. If this happens, the Contract Value Death Benefit will be in effect, and the Product Charge of 0.40% for the Contract Value Death Benefit will apply.</span> <span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the highest anniversary value at the time of the charge. We will deduct this charge from the Contract Value on a quarterly basis, with the first deduction occurring on the Valuation Date on or next following the three-month anniversary of the rider effective date. See the Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments section for a discussion of how the charge is calculated. The Guarantee of Principal Death Benefit product charge also applies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">The current charge for new elections of this rider is disclosed in a Rate Sheet. The rates and/or percentages from previous effective periods are included in an Appendix to this prospectus. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">7</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the sum of all Purchase Payments portion of the death benefit amount at the time of the charge. We will deduct this charge from the Contract Value on a quarterly basis, with the first deduction occurring on the Valuation Date on or next following the three-month anniversary of the rider effective date. See the Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments section for a discussion of how the charge is calculated. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">8</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the Fee Basis Amount, as increased by subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by withdrawals. This charge is deducted from the Contract Value on a quarterly basis. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">9</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the Protected Income Base, as increased by subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by Excess Withdrawals. This fee is deducted from the Contract Value proportionately on a quarterly basis. This same fee applies when transitioning to the appropriate version of </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit (if available). See Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — Protected Lifetime Income Fees for more information about the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> lifetime income suite. A discussion of the charges for </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage 2.0 (Managed Risk), Lincoln </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage and Lincoln </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Max 6 Select</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage can be found in an Appendix to this prospectus.</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">10</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the Protected Income Base (initial Purchase Payment or Contract Value at the time of election), as increased for subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by withdrawals (excluding Advisory Fee Withdrawals). This fee is deducted from the Contract Value on a quarterly basis. The same fee applies to the appropriate version of </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit (if available). See Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — Protected Lifetime Income Fees for more information about your Living Benefit Rider.</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">11</span><span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of average Account Value, computed daily. This charge is assessed only on and after the effective date of </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage and is added to your base contract expense. These charges continue during the Access Period. During the Lifetime Income Period, the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge rate of 0.40% is added to the Contract Value Death Benefit base contract expense. See Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Charge for more information. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">12</span><span style="font-family:Arial Narrow;font-size:8pt;">These charges are added to the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge to comprise the total charges. During the Lifetime Income Period, the Guaranteed Income Benefit charge rate is added to the Contract Value Death Benefit base contract expense plus the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge. The current annual charge rate for Select Guaranteed Income Benefit may increase periodically to the rate listed above upon the next automatic step-up of the Guaranteed Income Benefit. See Charges, </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit Charge for further information.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:11pt;">  </span> <span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the highest anniversary value at the time of the charge. We will deduct this charge from the Contract Value on a quarterly basis, with the first deduction occurring on the Valuation Date on or next following the three-month anniversary of the rider effective date. See the Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments section for a discussion of how the charge is calculated. The Guarantee of Principal Death Benefit product charge also applies.</span> <span style="font-family:Arial Narrow;font-size:8pt;">As an annualized percentage of the Protected Income Base (initial Purchase Payment or Contract Value at the time of election), as increased for subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by withdrawals (excluding Advisory Fee Withdrawals). This fee is deducted from the Contract Value on a quarterly basis. The same fee applies to the appropriate version of </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit (if available). See Charges,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — Protected Lifetime Income Fees for more information about your Living Benefit Rider.</span> <span style="font-family:Arial Narrow;font-size:8pt;">These charges are added to the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge to comprise the total charges. During the Lifetime Income Period, the Guaranteed Income Benefit charge rate is added to the Contract Value Death Benefit base contract expense plus the </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage charge. The current annual charge rate for Select Guaranteed Income Benefit may increase periodically to the rate listed above upon the next automatic step-up of the Guaranteed Income Benefit. See Charges, </span><span style="font-family:Arial Narrow;font-size:8pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:8pt;">and Adjustments — </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage Guaranteed Income Benefit Charge for further information.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:11pt;">  </span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The next item 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. Expenses shown may change over time and may be higher or lower in the future. A complete list of funds available under the Contract, including their annual expenses, may be found in an appendix to this prospectus. See Appendix A</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">–</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Investment Options Available Under the Contract.</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:480pt;"> <tr style="height:20.75pt;"> <td style="vertical-align:Bottom;width:350.43pt;"> <div style="line-height:15.0pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;margin-top:8pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;margin-left:0.0pt;">Annual Fund Expenses</span></div></div></td> <td style="vertical-align:Bottom;width:43.12pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:13.91%;margin-right:13.91%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Minimum</span></div></div></div></td> <td style="vertical-align:Bottom;width:86.45pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:6.94%;margin-right:27.76%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Maximum</span></div></div></div></td></tr> <tr style="height:37.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:350.43pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Expenses that are deducted from the fund assets, including </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:20pt;">management fees, distribution and/or service (12b-1) fees, and other </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:20pt;">expenses before any fee waivers or expense reimbursements.</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.12pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.12pt;"> <div style="display:flex;margin:auto;width:19.5pt;"> <div style="display:flex;white-space:nowrap;width:19.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:19.5pt;">0.23</span></div> <div style="display:flex;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">%</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:86.45pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:32.45pt;"> <div style="display:flex;margin:auto;width:19.5pt;"> <div style="display:flex;white-space:nowrap;width:19.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:19.5pt;">2.76</span></div> <div style="display:flex;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">%</span></div></div></div></td></tr> <tr style="height:35.5pt;"> <td style="vertical-align:Bottom;width:350.43pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Expenses that are deducted from the fund assets, including </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:20pt;">management fees, distribution and/or service (12b-1) fees, and other </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:20pt;">expenses after any fee waivers or expense reimbursements.</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.12pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.12pt;"> <div style="display:flex;margin:auto;width:19.5pt;"> <div style="display:flex;white-space:nowrap;width:19.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:19.5pt;">0.23</span></div> <div style="display:flex;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">%</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:86.45pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:32.45pt;"> <div style="display:flex;margin:auto;width:19.5pt;"> <div style="display:flex;white-space:nowrap;width:19.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:19.5pt;">1.25</span></div> <div style="display:flex;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">%</span></div></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="font-family:Arial Narrow;font-size:8pt;">Any fee waivers or expense reimbursements will remain in effect until at least April 30, 2027, and can only be terminated early with approval by the fund’s board of directors.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">Expenses that are deducted from the fund assets, including </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:20pt;">management fees, distribution and/or service (12b-1) fees, and other </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:20pt;">expenses before any fee waivers or expense reimbursements.</span> 0.0023 0.0276 <span style="font-family:Arial Narrow;font-size:8pt;">Any fee waivers or expense reimbursements will remain in effect until at least April 30, 2027, and can only be terminated early with approval by the fund’s board of directors.</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:165.5pt;width:197pt;"> <tr style="height:8.5pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:39.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:30.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:44.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:26.97%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 years</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:39.5pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:10pt;text-align:right;width:27.5pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:29.5pt;">7,434</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">22,525</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">37,863</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">76,899</span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:165.5pt;width:197pt;"> <tr style="height:8.5pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:39.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:30.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:44.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:26.97%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 years</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:39.5pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:10pt;text-align:right;width:27.5pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:29.5pt;">7,776</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">22,769</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">37,039</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">69,693</span></div></div></div></td></tr></table> 7434 22525 37863 76899 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2) If you annuitize or do not surrender your Contract at the end of the applicable time period:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:165.5pt;width:197pt;"> <tr style="height:8.5pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:39.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:30.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:44.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:26.97%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 years</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:39.5pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:10pt;text-align:right;width:27.5pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:29.5pt;">7,434</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">22,525</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">37,863</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">76,899</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2) If you annuitize or do not surrender your Contract at the end of the applicable time period:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:165.5pt;width:197pt;"> <tr style="height:8.5pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:39.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:30.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:44.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:26.97%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 years</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:39.5pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:10pt;text-align:right;width:27.5pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:29.5pt;">7,776</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">22,769</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">37,039</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">69,693</span></div></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2) If you annuitize or do not surrender your Contract at the end of the applicable time period:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:165.5pt;width:197pt;"> <tr style="height:8.5pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:39.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:30.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:44.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:26.97%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 years</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:39.5pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:10pt;text-align:right;width:27.5pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:29.5pt;">7,434</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">22,525</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">37,863</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">76,899</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2) If you annuitize or do not surrender your Contract at the end of the applicable time period:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:165.5pt;width:197pt;"> <tr style="height:8.5pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:39.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:30.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:56.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:21.24%;margin-right:21.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 years</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:44.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:26.97%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 years</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:39.5pt;"> <div style="line-height:12pt;margin-left:-2pt;margin-right:10pt;text-align:right;width:27.5pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:29.5pt;">7,776</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">22,769</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:56.5pt;"> <div style="line-height:12pt;margin-left:12pt;margin-right:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">37,039</span></div></div></div></td> <td style="padding-bottom:6.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:12pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:34.5pt;">69,693</span></div></div></div></td></tr></table> 7434 7434 22525 22525 37863 37863 76899 76899 7776 22769 37039 69693 7776 7776 22769 22769 37039 37039 69693 69693 <span style="color:#000000;font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Principal Risks </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The principal risks of investing in the Contract include:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Risk of Loss.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You can lose money by investing in this Contract, including loss of principal. Neither the U.S. Government nor any federal agency insures or guarantees your investment in the Contract.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Short-Term Investment Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. The benefits of tax deferral, long-term income, and living benefit protections also mean that the Contract is more beneficial to investors with a long-term horizon.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Variable Option Risk.</span><span style="font-family:Arial Narrow;font-size:10pt;"> You take all the investment risk on the Contract Value and the retirement income for amounts placed into one or more of the Subaccounts, which invest in corresponding underlying funds. If the Subaccounts you select make money, your Contract Value goes up; if they lose money, your Contract Value goes down. How much it goes up or down depends on the performance of the Subaccounts you select. Each underlying fund is subject to its own investment risks. When you invest in a Subaccount, you are exposed to the investment risks of the underlying fund. We reserve the right to remove or substitute any funds as investment options that are available under the Contract.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Investment Requirements Risk.</span><span style="font-family:Arial Narrow;font-size:10pt;"> If you elect an optional benefit, you may be subject to Investment Requirements.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">This means you may not be permitted to invest in certain investment options or you may be permitted to invest in certain investment options only to a limited extent. Failing to satisfy applicable Investment Requirements may result in the termination of your optional benefit. 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 an optional benefit. In turn, your compliance with the Investment Requirements 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 the value of your guaranteed benefits.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Managed Volatility Fund Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Certain underlying funds may employ risk management strategies to provide for downside protection during sharp downward movements in equity markets. These funds usually, but not always, have “Managed Risk” or “Managed Volatility” in the name of the fund. These strategies could limit the upside participation of the fund in rising equity markets relative to other funds. The optional Death Benefits and Living Benefit Riders offered under the Contract also provide protection in the event of a market downturn. Likewise, there are additional costs associated with these Death Benefits and Living Benefit Riders, which can limit the Contract’s upside participation in the markets. Many of these funds are included in the Investment Requirements associated with certain Living Benefit Riders. Risk management strategies, in periods of high market volatility, 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 the value of your guaranteed benefits. For more information on these funds and their risk management strategies, please see the funds’ prospectuses.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Withdrawal Risk (Illiquidity Risk).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You should carefully consider the risks associated with taking a withdrawal or surrender under the Contract. The proceeds of your withdrawal or surrender may be subject to ordinary income taxes, including a tax penalty if you are younger than age 59½. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You should also consider the impact that a withdrawal may have on the standard and optional benefits under your Contract. For example, under certain Living Benefit Riders, excess or early withdrawals may reduce the value of the guaranteed benefit by an amount greater than the amount withdrawn and could result in termination of the benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Transfer Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Your ability to transfer amounts between investment options is subject to restrictions. You are generally restricted to no more than 12 transfers per Contract Year. 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. If permitted by your Contract, we may discontinue accepting transfers into the fixed side of the contract at any time. Your ability to transfer between investment options may also be restricted as a result of Investment Requirements if you have elected an optional benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Purchase Payment Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Your ability to make additional Purchase Payments may be restricted under the Contract, depending on the version of the Contract that you own, the optional benefits that you have elected, and other factors.</span><span style="font-family:Arial Narrow;font-size:10pt;">You must obtain</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">our</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">approval for Purchase Payments totaling $5 million or more where the only optional benefits elected are the Account Value Death Benefit and/or </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage without the Guaranteed Income Benefit and $1 million or more for all other contracts. At the Company’s discretion,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">either amount may consider total Purchase Payments for all contracts issued by the Company (or its affiliates)</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">for the same Contractowner, joint owner, and/or Annuitant. </span><span style="font-family:Arial Narrow;font-size:10pt;">Additionally,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">if you elect a Living Benefit Rider (other than any version of </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit), 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you elect any version of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit, no additional Purchase Payments will be allowed at any time after the Periodic Income Commencement Date. If you elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage without Guaranteed Income Benefit, no additional </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Purchase Payments will be allowed after the Periodic Income Commencement Date for nonqualified contracts. For more information about these restrictions and limitations, see The Contracts – Purchase Payments.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Deduction of Advisory Fee Risk.</span><span style="font-family:Arial Narrow;font-size:10pt;"> This deduction of advisory fees from Contract Value may reduce the Death Benefit and other guaranteed benefits, and may be subject to federal and state income taxes and a 10% federal penalty tax. See Benefits Available</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Under the Contract — Advisory Fee Withdrawals for Optional Rider(s).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Election of Optional Benefit Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> There are a variety of optional benefits under the Contract that are designed for different financial goals and to protect against different financial risks. There is a risk that you may not choose the benefit or benefits that are best suited for you based on your present or future needs and circumstances. In addition, if you elect an optional benefit and do not use it, or if the contingencies upon which the benefit depend never occur, you will have paid for a benefit that did not provide a financial return. There is also a risk that a financial return of an optional benefit, if any, will ultimately be less than the amount you paid for the benefit. You should consult with your financial professional to determine which optional benefits (if any) are appropriate for you.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Fee and Expense Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You are subject to the risk that we may increase certain contract fees and charges, and that underlying fund expenses may increase.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Financial Strength and Claims-Paying Ability Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> An investment in the Contract is subject to the risks related to us, Lincoln Life. 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Cybersecurity and Business Interruption Risks.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> We rely heavily on our computer systems and those of our business partners and service providers to conduct our business. As such, our business is vulnerable to cybersecurity risks and business interruption risks. These risks include, among other things, the theft, loss, misuse, corruption and destruction of data; interference with or denial of service; attacks on websites or systems; operational disruptions; and unauthorized release of confidential customer or business information. Cybersecurity risks affecting us, any third-party administrators, underlying funds, index providers, intermediaries, and service providers may adversely affect us and/or your Contract. For instance, systems failures and cyberattacks may interfere with our processing of Contract transactions, including order processing; impact our ability to calculate Accumulation Unit values or other Contract values; cause the release and possible destruction of confidential customer or business information; and/or subject us to regulatory fines, litigation, financial losses or reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest (or the securities that compose an Index), which may cause your Contract to lose value. There can be no assurance that systems disruptions, cyberattacks and information security breaches will always be detected, prevented, or avoided in the future. </span><span style="font-family:Arial Narrow;font-size:10pt;">In addition to cybersecurity risks, we are exposed to risks related to natural and man-made disasters, such as (but not limited to) storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts. Any such disasters could interfere with our business and our ability to administer the Contract. For example, they could lead to delays in our processing of Contract transactions, including orders from Contractowners, or could negatively impact our ability to calculate Accumulation Unit values or other Contract Values. They may also impact the issuers of securities in which the underlying funds invest (or the securities that compose an Index), which may cause your Contract to lose value. There can be no assurance that negative impacts associated with natural and man-made disasters will always be avoided.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Risk of Loss.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You can lose money by investing in this Contract, including loss of principal. Neither the U.S. Government nor any federal agency insures or guarantees your investment in the Contract.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Short-Term Investment Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. The benefits of tax deferral, long-term income, and living benefit protections also mean that the Contract is more beneficial to investors with a long-term horizon.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Variable Option Risk.</span><span style="font-family:Arial Narrow;font-size:10pt;"> You take all the investment risk on the Contract Value and the retirement income for amounts placed into one or more of the Subaccounts, which invest in corresponding underlying funds. If the Subaccounts you select make money, your Contract Value goes up; if they lose money, your Contract Value goes down. How much it goes up or down depends on the performance of the Subaccounts you select. Each underlying fund is subject to its own investment risks. When you invest in a Subaccount, you are exposed to the investment risks of the underlying fund. We reserve the right to remove or substitute any funds as investment options that are available under the Contract.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Investment Requirements Risk.</span><span style="font-family:Arial Narrow;font-size:10pt;"> If you elect an optional benefit, you may be subject to Investment Requirements.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">This means you may not be permitted to invest in certain investment options or you may be permitted to invest in certain investment options only to a limited extent. Failing to satisfy applicable Investment Requirements may result in the termination of your optional benefit. 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 an optional benefit. In turn, your compliance with the Investment Requirements 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 the value of your guaranteed benefits.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Managed Volatility Fund Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Certain underlying funds may employ risk management strategies to provide for downside protection during sharp downward movements in equity markets. These funds usually, but not always, have “Managed Risk” or “Managed Volatility” in the name of the fund. These strategies could limit the upside participation of the fund in rising equity markets relative to other funds. The optional Death Benefits and Living Benefit Riders offered under the Contract also provide protection in the event of a market downturn. Likewise, there are additional costs associated with these Death Benefits and Living Benefit Riders, which can limit the Contract’s upside participation in the markets. Many of these funds are included in the Investment Requirements associated with certain Living Benefit Riders. Risk management strategies, in periods of high market volatility, 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 the value of your guaranteed benefits. For more information on these funds and their risk management strategies, please see the funds’ prospectuses.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Withdrawal Risk (Illiquidity Risk).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You should carefully consider the risks associated with taking a withdrawal or surrender under the Contract. The proceeds of your withdrawal or surrender may be subject to ordinary income taxes, including a tax penalty if you are younger than age 59½. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You should also consider the impact that a withdrawal may have on the standard and optional benefits under your Contract. For example, under certain Living Benefit Riders, excess or early withdrawals may reduce the value of the guaranteed benefit by an amount greater than the amount withdrawn and could result in termination of the benefit.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Transfer Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Your ability to transfer amounts between investment options is subject to restrictions. You are generally restricted to no more than 12 transfers per Contract Year. 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. If permitted by your Contract, we may discontinue accepting transfers into the fixed side of the contract at any time. Your ability to transfer between investment options may also be restricted as a result of Investment Requirements if you have elected an optional benefit.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Purchase Payment Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Your ability to make additional Purchase Payments may be restricted under the Contract, depending on the version of the Contract that you own, the optional benefits that you have elected, and other factors.</span><span style="font-family:Arial Narrow;font-size:10pt;">You must obtain</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">our</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">approval for Purchase Payments totaling $5 million or more where the only optional benefits elected are the Account Value Death Benefit and/or </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage without the Guaranteed Income Benefit and $1 million or more for all other contracts. At the Company’s discretion,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">either amount may consider total Purchase Payments for all contracts issued by the Company (or its affiliates)</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">for the same Contractowner, joint owner, and/or Annuitant. </span><span style="font-family:Arial Narrow;font-size:10pt;">Additionally,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">if you elect a Living Benefit Rider (other than any version of </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit), 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you elect any version of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit, no additional Purchase Payments will be allowed at any time after the Periodic Income Commencement Date. If you elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage without Guaranteed Income Benefit, no additional </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Purchase Payments will be allowed after the Periodic Income Commencement Date for nonqualified contracts. For more information about these restrictions and limitations, see The Contracts – Purchase Payments.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Deduction of Advisory Fee Risk.</span><span style="font-family:Arial Narrow;font-size:10pt;"> This deduction of advisory fees from Contract Value may reduce the Death Benefit and other guaranteed benefits, and may be subject to federal and state income taxes and a 10% federal penalty tax. See Benefits Available</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Under the Contract — Advisory Fee Withdrawals for Optional Rider(s).</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Election of Optional Benefit Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> There are a variety of optional benefits under the Contract that are designed for different financial goals and to protect against different financial risks. There is a risk that you may not choose the benefit or benefits that are best suited for you based on your present or future needs and circumstances. In addition, if you elect an optional benefit and do not use it, or if the contingencies upon which the benefit depend never occur, you will have paid for a benefit that did not provide a financial return. There is also a risk that a financial return of an optional benefit, if any, will ultimately be less than the amount you paid for the benefit. You should consult with your financial professional to determine which optional benefits (if any) are appropriate for you.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Fee and Expense Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You are subject to the risk that we may increase certain contract fees and charges, and that underlying fund expenses may increase.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Financial Strength and Claims-Paying Ability Risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> An investment in the Contract is subject to the risks related to us, Lincoln Life. 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.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Cybersecurity and Business Interruption Risks.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> We rely heavily on our computer systems and those of our business partners and service providers to conduct our business. As such, our business is vulnerable to cybersecurity risks and business interruption risks. These risks include, among other things, the theft, loss, misuse, corruption and destruction of data; interference with or denial of service; attacks on websites or systems; operational disruptions; and unauthorized release of confidential customer or business information. Cybersecurity risks affecting us, any third-party administrators, underlying funds, index providers, intermediaries, and service providers may adversely affect us and/or your Contract. For instance, systems failures and cyberattacks may interfere with our processing of Contract transactions, including order processing; impact our ability to calculate Accumulation Unit values or other Contract values; cause the release and possible destruction of confidential customer or business information; and/or subject us to regulatory fines, litigation, financial losses or reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest (or the securities that compose an Index), which may cause your Contract to lose value. There can be no assurance that systems disruptions, cyberattacks and information security breaches will always be detected, prevented, or avoided in the future. </span><span style="font-family:Arial Narrow;font-size:10pt;">In addition to cybersecurity risks, we are exposed to risks related to natural and man-made disasters, such as (but not limited to) storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts. Any such disasters could interfere with our business and our ability to administer the Contract. For example, they could lead to delays in our processing of Contract transactions, including orders from Contractowners, or could negatively impact our ability to calculate Accumulation Unit values or other Contract Values. They may also impact the issuers of securities in which the underlying funds invest (or the securities that compose an Index), which may cause your Contract to lose value. There can be no assurance that negative impacts associated with natural and man-made disasters will always be avoided.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Benefits Available Under the Contract </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The following tables summarize information about the benefits available under the Contract.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> A detailed description of each benefit follows the table. </span><span style="font-family:Arial Narrow;font-size:10pt;">The availability of Contract benefits may vary depending on the broker-dealer through which the Contract is sold. See Appendix H — Financial Intermediary Material Variations for additional information.</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:14.5pt;"> <td colspan="4" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:528.0pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:170.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:96pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:92pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Guarantee of Principal </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides a Death Benefit equal to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">greatest of (1) Contract Value; (2) all </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Purchase Payments, adjusted for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">withdrawals.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">0.50</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% (Age at Issue </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">1 - 80)</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">0.70</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% (Age at Issue </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">81 - 85)</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">average Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Value)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Default Death Benefit, which applies </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">automatically if you do not select a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">different Death Benefit option.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the benefit.</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">(DCA)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to automatically transfer </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">amounts between certain investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">options on a monthly basis.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Minimum amount to be dollar cost </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">averaged is $1,500 over any time period </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">between 3 and 60 months.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Cannot be used simultaneously with </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">portfolio rebalancing.</span></div></div></td></tr> <tr style="height:78pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to automatically reallocate your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Contract Value among investment options </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">on a periodic basis based on your standing </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">allocation instructions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Cannot be used simultaneously with </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">dollar cost averaging.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Only available for the Subaccounts.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Rebalancing may take place on a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">monthly, quarterly, semi-annual, or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">annual basis.</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Automatic Withdrawal </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service (AWS)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to take periodic withdrawals </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">from your Contract automatically.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Automatically terminates once </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Advantage begins.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals are subject to applicable </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">surrender charges, taxes, and tax </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">penalties.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">May result in Excess Withdrawals under </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">certain optional benefits.</span></div></div></td></tr> <tr style="height:142.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Advisory Fee </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to take withdrawals from your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Contract to pay the advisory fees.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">May not be available in all states.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">You may take Advisory Fee Withdrawals </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to 1.25% annually without negatively </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">impacting your rider guarantees. </span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The deduction of advisory fees from </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Contract Value may reduce the Death </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Benefit and other guaranteed benefits </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(unless the requirements listed above are </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">met), and may be subject to federal and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">state income taxes and a 10% federal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">penalty tax.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:14.5pt;"> <td colspan="4" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:528.0pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Optional Benefits – Available for Election</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:170.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:96pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Highest Anniversary </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides a Death Benefit equal to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">greatest of (1) Contract Value; (2) all </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Purchase Payments, adjusted for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">withdrawals; (3) the highest anniversary </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">value on any contract anniversary prior to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">age 81</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">st</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> as adjusted for withdrawals.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">1.25</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% </span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Payments portion of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Death Benefit)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Not available if age 76 or older at the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time of issuance. </span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the benefit. </span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Poor investment performance could </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">significantly reduce and limit potential </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">increase to the highest Contract Value.</span></div></div></td></tr> <tr style="height:164pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Death </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Works in conjunction with the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> rider to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">provide a Death Benefit equal to the greatest </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">of (1) Contract Value; (2) all Purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Payments, as adjusted for Excess </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">1.60</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">%</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Payments portion of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Death Benefit)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Available only at issue, and only in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">conjunction with the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> rider.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Available only if 35 to 75 years of age at </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the time of issuance.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Joint life option is not available.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase at any time </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">after ten years from the rider effective </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">date.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span></div></div></td></tr> <tr style="height:220.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">A combination Death Benefit and Living </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Benefit Rider;</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement to the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">2.75</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% Single Life </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Option</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Fee Basis </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Amount)</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Available only at issue, and only in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">conjunction with the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM </span> <div style="clear:right;"> </div></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Death Benefit.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span><span style="font-family:Arial Narrow;font-size:9pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:14.5pt;"> <td colspan="4" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:528.0pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Optional Benefits – Available for Election</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:170.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:96pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:241pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">lifetime income suite </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">options:</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span> <div style="clear:right;"> </div></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span> <div style="clear:right;"> </div></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span> <div style="clear:right;"> </div></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">Beginning May 18, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">2026, the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">Select riders will </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">only be available </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">for election at the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">time the Contract is </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">purchased.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement that may increase the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Protected Income Base;</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">2.75</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% Single and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Joint Life Options</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span></div></div></td></tr> <tr style="height:175pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Select </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Advantage</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Beginning May 18, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">2026, this rider will </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">only be available for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">election at the time </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">the Contract is </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">purchased.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Protected Income Base which will be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">used to establish the amount of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Guaranteed Income Benefit upon the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">election of </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Advantage;</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement to the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Must later transition to </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Advantage Select Guaranteed Income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Benefit in order to receive a benefit from </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Select Advantage.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">2.75</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% Single and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Joint Life Options</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">terminate the benefit.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Not available for purchase with a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">qualified contract.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span></div></div></td></tr> <tr style="height:78pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Advantage</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Variable periodic Regular Income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Payments for life.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The ability to make additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">withdrawals and surrender the Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">during the Access Period.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">0.40%</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as an annualized </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">average Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Value)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">terminate the benefit.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Restrictions apply to the length of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Access Period.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span></div></div></td></tr> <tr style="height:109.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Select Guaranteed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Income Benefit</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Beginning May 18, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">2026, this rider will </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">only be available for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">election at the time </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">the Contract is </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">purchased.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides a minimum payout floor for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Regular Income Payments under </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Advantage.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">2.75</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">%* Single and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Joint Life Options</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">*The Guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">Income Benefit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">charge is in addition </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">to the i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">Advantage charge </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">and your base </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">contract expense.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Only available with </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Advantage.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">terminate the benefit.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Restrictions apply to the length of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Access Period.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:14.5pt;"> <td colspan="4" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:528.0pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:170.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:96pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:92pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Guarantee of Principal </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides a Death Benefit equal to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">greatest of (1) Contract Value; (2) all </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Purchase Payments, adjusted for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">withdrawals.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">0.50</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% (Age at Issue </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">1 - 80)</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">0.70</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% (Age at Issue </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">81 - 85)</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">average Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Value)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Default Death Benefit, which applies </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">automatically if you do not select a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">different Death Benefit option.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the benefit.</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost Averaging </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">(DCA)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to automatically transfer </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">amounts between certain investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">options on a monthly basis.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Minimum amount to be dollar cost </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">averaged is $1,500 over any time period </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">between 3 and 60 months.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Cannot be used simultaneously with </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">portfolio rebalancing.</span></div></div></td></tr> <tr style="height:78pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to automatically reallocate your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Contract Value among investment options </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">on a periodic basis based on your standing </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">allocation instructions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Cannot be used simultaneously with </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">dollar cost averaging.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Only available for the Subaccounts.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Rebalancing may take place on a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">monthly, quarterly, semi-annual, or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">annual basis.</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Automatic Withdrawal </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service (AWS)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to take periodic withdrawals </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">from your Contract automatically.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Automatically terminates once </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Advantage begins.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals are subject to applicable </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">surrender charges, taxes, and tax </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">penalties.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">May result in Excess Withdrawals under </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">certain optional benefits.</span></div></div></td></tr> <tr style="height:142.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Advisory Fee </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to take withdrawals from your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Contract to pay the advisory fees.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">May not be available in all states.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">You may take Advisory Fee Withdrawals </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to 1.25% annually without negatively </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">impacting your rider guarantees. </span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The deduction of advisory fees from </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Contract Value may reduce the Death </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Benefit and other guaranteed benefits </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(unless the requirements listed above are </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">met), and may be subject to federal and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">state income taxes and a 10% federal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">penalty tax.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:14.5pt;"> <td colspan="4" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:528.0pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Optional Benefits – Available for Election</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:170.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:96pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Highest Anniversary </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides a Death Benefit equal to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">greatest of (1) Contract Value; (2) all </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Purchase Payments, adjusted for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">withdrawals; (3) the highest anniversary </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">value on any contract anniversary prior to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">age 81</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">st</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> as adjusted for withdrawals.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">1.25</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% </span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Payments portion of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Death Benefit)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Not available if age 76 or older at the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time of issuance. </span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the benefit. </span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Poor investment performance could </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">significantly reduce and limit potential </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">increase to the highest Contract Value.</span></div></div></td></tr> <tr style="height:164pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Death </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Works in conjunction with the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> rider to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">provide a Death Benefit equal to the greatest </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">of (1) Contract Value; (2) all Purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Payments, as adjusted for Excess </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">1.60</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">%</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Payments portion of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Death Benefit)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Available only at issue, and only in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">conjunction with the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> rider.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Available only if 35 to 75 years of age at </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the time of issuance.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Joint life option is not available.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase at any time </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">after ten years from the rider effective </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">date.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span></div></div></td></tr> <tr style="height:220.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">A combination Death Benefit and Living </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Benefit Rider;</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement to the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">2.75</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% Single Life </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Option</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Fee Basis </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Amount)</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Available only at issue, and only in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">conjunction with the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM </span> <div style="clear:right;"> </div></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Death Benefit.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span><span style="font-family:Arial Narrow;font-size:9pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:14.5pt;"> <td colspan="4" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:528.0pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Optional Benefits – Available for Election</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:170.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:96pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:241pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">lifetime income suite </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">options:</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span> <div style="clear:right;"> </div></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span> <div style="clear:right;"> </div></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span> <div style="clear:right;"> </div></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">Beginning May 18, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">2026, the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">Select riders will </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">only be available </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">for election at the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">time the Contract is </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">purchased.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement that may increase the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Protected Income Base;</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">2.75</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% Single and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Joint Life Options</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span></div></div></td></tr> <tr style="height:175pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Select </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Advantage</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Beginning May 18, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">2026, this rider will </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">only be available for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">election at the time </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">the Contract is </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">purchased.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Protected Income Base which will be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">used to establish the amount of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Guaranteed Income Benefit upon the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">election of </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Advantage;</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement to the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Must later transition to </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Advantage Select Guaranteed Income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Benefit in order to receive a benefit from </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Select Advantage.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">2.75</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">% Single and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Joint Life Options</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">terminate the benefit.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Not available for purchase with a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">qualified contract.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span></div></div></td></tr> <tr style="height:78pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Advantage</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Variable periodic Regular Income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Payments for life.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The ability to make additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">withdrawals and surrender the Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">during the Access Period.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">0.40%</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(as an annualized </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">percentage of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">average Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Value)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">terminate the benefit.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Restrictions apply to the length of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Access Period.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span></div></div></td></tr> <tr style="height:109.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Select Guaranteed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Income Benefit</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Beginning May 18, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">2026, this rider will </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">only be available for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">election at the time </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">the Contract is </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">purchased.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:170.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides a minimum payout floor for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Regular Income Payments under </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Advantage.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:96pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">2.75</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">%* Single and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Joint Life Options</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">*The Guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">Income Benefit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">charge is in addition </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">to the i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">Advantage charge </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">and your base </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">contract expense.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Only available with </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Advantage.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">terminate the benefit.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Restrictions apply to the length of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Access Period.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span></div></div></td></tr></table> <span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Guarantee of Principal </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides a Death Benefit equal to the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">greatest of (1) Contract Value; (2) all </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Purchase Payments, adjusted for </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">withdrawals.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides a Death Benefit equal to the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">greatest of (1) Contract Value; (2) all </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Purchase Payments, adjusted for </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">withdrawals.</span> 0.0050 0.0070 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Default Death Benefit, which applies </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">automatically if you do not select a </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">different Death Benefit option.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the benefit.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost Averaging </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">(DCA)</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to automatically transfer </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">amounts between certain investment </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">options on a monthly basis.</span> 0 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Minimum amount to be dollar cost </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">averaged is $1,500 over any time period </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">between 3 and 60 months.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Cannot be used simultaneously with </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">portfolio rebalancing.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio Rebalancing</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to automatically reallocate your </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Contract Value among investment options </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">on a periodic basis based on your standing </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">allocation instructions.</span> 0 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Cannot be used simultaneously with </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">dollar cost averaging.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Only available for the Subaccounts.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Rebalancing may take place on a </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">monthly, quarterly, semi-annual, or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">annual basis.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Automatic Withdrawal </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service (AWS)</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to take periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">from your Contract automatically.</span> 0 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Automatically terminates once </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Advantage begins.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals are subject to applicable </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">surrender charges, taxes, and tax </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">penalties.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">May result in Excess Withdrawals under </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">certain optional benefits.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Advisory Fee </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Allows you to take withdrawals from your </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Contract to pay the advisory fees.</span> 0 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">May not be available in all states.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">You may take Advisory Fee Withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to 1.25% annually without negatively </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">impacting your rider guarantees. </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The deduction of advisory fees from </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Contract Value may reduce the Death </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Benefit and other guaranteed benefits </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">(unless the requirements listed above are </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">met), and may be subject to federal and </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">state income taxes and a 10% federal </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">penalty tax.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Highest Anniversary </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides a Death Benefit equal to the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">greatest of (1) Contract Value; (2) all </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Purchase Payments, adjusted for </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">withdrawals; (3) the highest anniversary </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">value on any contract anniversary prior to </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">age 81</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">st</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> as adjusted for withdrawals.</span> 0.0125 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Not available if age 76 or older at the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time of issuance. </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the benefit. </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Poor investment performance could </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">significantly reduce and limit potential </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">increase to the highest Contract Value.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Death </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Benefit</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Works in conjunction with the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> rider to </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">provide a Death Benefit equal to the greatest </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">of (1) Contract Value; (2) all Purchase </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Payments, as adjusted for Excess </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Withdrawals</span> 0.0160 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Available only at issue, and only in </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">conjunction with the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> rider.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Available only if 35 to 75 years of age at </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">the time of issuance.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Joint life option is not available.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase at any time </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">after ten years from the rider effective </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">date.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">A combination Death Benefit and Living </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Benefit Rider;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> 0.0275 0.0275 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Available only at issue, and only in </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">conjunction with the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Death Benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">lifetime income suite </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">options:</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">Beginning May 18, </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">2026, the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">Select riders will </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">only be available </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">for election at the </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">time the Contract is </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">purchased.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">lifetime income suite </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">options:</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">Beginning May 18, </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">2026, the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">Select riders will </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">only be available </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">for election at the </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">time the Contract is </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">purchased.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">lifetime income suite </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">options:</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Select Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">Beginning May 18, </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">2026, the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">Select riders will </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">only be available </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">for election at the </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">time the Contract is </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:11.66pt;">purchased.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement that may increase the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Protected Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement that may increase the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Protected Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement that may increase the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Protected Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> 0.0275 0.0275 0.0275 0.0275 0.0275 0.0275 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Select </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Advantage</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Beginning May 18, </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">2026, this rider will </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">only be available for </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">election at the time </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">the Contract is </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">purchased.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Protected Income Base which will be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">used to establish the amount of the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Guaranteed Income Benefit upon the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">election of </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Advantage;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Must later transition to </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Advantage Select Guaranteed Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Benefit in order to receive a benefit from </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Select Advantage.</span> 0.0275 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Not available for purchase with a </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">qualified contract.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Advantage</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Variable periodic Regular Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Payments for life.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The ability to make additional </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">withdrawals and surrender the Contract </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">during the Access Period.</span> 0.0040 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Restrictions apply to the length of the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Access Period.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Select Guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Income Benefit</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Beginning May 18, </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">2026, this rider will </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">only be available for </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">election at the time </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">the Contract is </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">purchased.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides a minimum payout floor for </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Regular Income Payments under </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Advantage.</span> 0.0275 0.0275 <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">*The Guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">Income Benefit </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">charge is in addition </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">to the i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">Advantage charge </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">and your base </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">contract expense.</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">*The Guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">Income Benefit </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">charge is in addition </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">to the i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">Advantage charge </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">and your base </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">contract expense.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Only available with </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Advantage.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Restrictions apply to the length of the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Access Period.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> and </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">A combination Death Benefit and Living </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Benefit Rider;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> 0.0275 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Available only in conjunction with the </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:11.66pt;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Death Benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">lifetime income suite </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">options:</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Secure Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Secure Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">lifetime income suite </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">options:</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Secure Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Secure Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">lifetime income suite </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">options:</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Secure Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:5.27pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">ProtectedPay </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:11.66pt;">Secure Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement that may increase the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Protected Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement that may increase the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Protected Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Varying income options;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement that may increase the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Protected Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> 0.0275 0.0275 0.0275 0.0275 0.0275 0.0275 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The fee rate may increase with additional </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Purchase Payments, step-ups, and at any </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">time after ten years from the rider </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">effective date.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Lincoln Lifetime </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Income</span><span style="font-family:Arial Narrow;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Advantage </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">2.0 (Managed Risk)</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides:</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> 0.0225 0.0245 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit. </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Purchase Payments and step-ups may </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">increase fee rate.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Market </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Advantage</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides: </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> 0.0225 0.0245 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate the benefit. </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Purchase Payments and step-ups may </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">increase fee rate.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Max 6 </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Select</span><span style="font-family:Arial Narrow;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Advantage</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Provides: </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Guaranteed lifetime periodic withdrawals </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">up to the Protected Annual Income </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amount;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">An Enhancement to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base;</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Account Value Step-ups of the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Income Base; and</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Age-based increases to the Protected </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Annual Income amount.</span> 0.0225 0.0245 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Excess Withdrawals could significantly </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduce or terminate benefits. </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Any withdrawal may negatively impact or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">eliminate the potential for enhancements </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">or step-ups.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Subject to a $10 million maximum, </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">which includes the total guaranteed </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">amounts across all Living Benefit Riders.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Purchase Payments and step-ups may </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">increase fee rate.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments may be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">limited.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">The guaranteed payments will be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">reduced if your Contract Value is reduced </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">to zero.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Your Protected Income Base will not </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">carry over to </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Advantage.</span> <span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:1.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Advantage </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Guaranteed Income </span><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Benefit</span> <span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Provides a minimum payout floor for </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Regular Income Payments under </span><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">® </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Advantage.</span> 0.0225 0.0245 <span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Withdrawals could significantly reduce or </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">terminate the benefit. </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Restrictions apply to the length of the </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">Access Period. </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Additional Purchase Payments can be </span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">subject to restrictions.</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Investment Requirements apply.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Death Benefits </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The chart below provides a brief overview of how the Death Benefit proceeds will be distributed if death occurs prior to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage elections or prior to the selection of an Annuity Payout option. Refer to your Contract for the specific provisions applicable upon death.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:20pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:67.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">upon death of:</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:154pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">and...</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:154pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">and...</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:152.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">Death Benefit proceeds pass to:</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:67.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contractowner</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">There is a surviving joint owner</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Annuitant is living or deceased</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:152.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Joint owner </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:20pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:67.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">upon death of:</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:154pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">and...</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:154pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">and...</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:152.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">Death Benefit proceeds pass to:</span></div></div></td></tr> <tr style="height:19pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:67.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contractowner</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">There is no surviving joint owner</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Annuitant is living or deceased</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:152.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Designated Beneficiary</span></div></div></td></tr> <tr style="height:43pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:67.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contractowner</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">There is no surviving joint owner </span></div> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and the Beneficiary predeceases the </span></div> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contractowner</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Annuitant is living or deceased</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:152.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contractowner's estate</span></div></div></td></tr> <tr style="height:79pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:67.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annuitant</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Contractowner is living</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">There is no contingent Annuitant</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:152.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The youngest Contractowner </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">becomes the contingent Annuitant </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and the Contract continues. The </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contractowner may waive* this </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">continuation and receive the Death </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit proceeds.</span></div></div></td></tr> <tr style="height:43pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:67.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annuitant</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Contractowner is living</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The contingent Annuitant is living</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:152.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contingent Annuitant becomes the </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annuitant and the Contract </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">continues</span></div></div></td></tr> <tr style="height:27pt;"> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:67.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annuitant</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Contractowner is a trust or </span></div> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">other non-natural person**</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:154pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">No contingent Annuitant allowed </span></div> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with non-natural Contractowner</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:152.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Designated Beneficiary</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">*</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">Notification from the Contractowner to receive the Death Benefit proceeds must be received within 75 days of the death of the Annuitant. </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">**</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">Death of Annuitant is treated like death of the Contractowner. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Death Benefit may be payable if the Contractowner (or a joint owner) or Annuitant dies prior to the selection of an Annuity Payout option. You can choose the Death Benefit. Only one Death Benefit may be in effect at any one time and this Death Benefit terminates if you elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage or elect any other annuitization option. Generally, the more expensive the Death Benefit is, the greater the protection. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While utilizing an Automatic Withdrawal Service to satisfy the requirements of the Annuity Commencement Date, the Death Benefit continues until otherwise terminated as noted in the discussion below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You should consider the following provisions carefully when designating the Beneficiary, Annuitant, any contingent Annuitant and any joint owner, as well as before changing any of these parties. The identity of these parties under the Contract may significantly affect the amount and timing of the Death Benefit or other amount paid upon a Contractowner's or Annuitant's death. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may designate a Beneficiary during your lifetime and change the Beneficiary by filing a written request with our Home Office. Each change of Beneficiary revokes any previous designation. We reserve the right to request that you send us the Contract for endorsement of a change of Beneficiary. </span><span style="font-family:Arial Narrow;font-size:10pt;">Upon the death of the Contractowner, a Death Benefit will be paid to the Beneficiary. Upon the death of a joint owner, the Death Benefit will be paid to the surviving joint owner. If the Contractowner is a corporation or other non-individual (non-natural person), the death of the Annuitant will be treated as the death of the Contractowner. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If an Annuitant who is not the Contractowner or joint owner dies, then the contingent Annuitant, if named, becomes the Annuitant and no Death Benefit is payable on the death of the Annuitant. If no contingent Annuitant is named, the Contractowner (or younger of joint owners) becomes the Annuitant. Alternatively, a Death Benefit may be paid to the Contractowner (and joint owner, if applicable, in equal shares). Notification of the election of this Death Benefit must be received by us within 75 days of the death of the Annuitant. The Contract terminates when any Death Benefit is paid due to the death of the Annuitant.</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">If a Contractowner, joint owner, or Annuitant was added or changed subsequent to the effective date of the Contract (unless the change occurred because of the death of a prior Contractowner, joint owner, or Annuitant), upon death, we will only pay the Contract Value as of the Valuation Date we approve the payment of the death claim. </span><span style="font-family:Arial Narrow;font-size:10pt;">If your Contract Value equals zero, no Death Benefit will be paid. </span><span style="font-family:Arial Narrow;font-size:10pt;">Subject to state approval, annual Advisory Fee Withdrawals up to 1.25% of your Contract Value within a Contract Year will not be considered a withdrawal under your Death Benefit calculation of the sum of all Purchase Payments or highest anniversary value. Your Contract Value will be reduced by the amount of the withdrawal, but the value of your Death Benefit will not be negatively impacted. For Annual Advisory Fee Withdrawals that exceed 1.25% of your Contract Value within a Contract Year, the portion of the Advisory Fee Withdrawal over 1.25% will be treated as a withdrawal under this Death Benefit and reduce your guarantees.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guarantee of Principal Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Guarantee of Principal Death Benefit is the default Death Benefit under this Contact; this means that if you do not select a Death Benefit, the Guarantee of Principal Death Benefit will be automatically selected for you at contract issue. There is an additional charge for this Death Benefit, and it may only be elected when the contract is issued. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may not terminate the Guarantee of Principal Death Benefit. If all Contractowners and Annuitants are changed, the Guarantee of Principal Death Benefit will automatically terminate and the Contract Value Death Benefit will be in effect. </span><span style="font-family:Arial Narrow;font-size:10pt;">The Guarantee of Principal Death Benefit is not available for contracts issued to a Contractowner, or joint owner or Annuitant, who is age 86 or older at the time of issuance. The product charge for this Death Benefit will vary according to the age of the oldest Contractowner or Annuitant at the time the Contract is issued. See Charges,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and Adjustments — Deductions from the VAA. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Beneficiary is the spouse of the Contractowner, the surviving spouse may elect to continue the Contract as the new Contractowner. In this situation, a portion of the Death Benefit may be credited to the Contract. Any portion of the Death Benefit that would have been payable (if the Contract had not been continued) that exceeds the current Contract Value on the Valuation Date we approve the claim will be added to the Contract Value. The Guarantee of Principal Death Benefit may not be discontinued once elected.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Guarantee of Principal Death Benefit provides a Death Benefit equal to the greater of: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current Contract Value as of the Valuation Date we approve the payment of the claim; or </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">the sum of all Purchase Payments decreased by withdrawals in the same proportion that withdrawals reduced the Contract Value. Regular Income Payments under </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage and withdrawals less than or equal to the Protected Annual Income amount under applicable Living Benefit Riders may reduce the sum of all Purchase Payment amounts on a dollar for dollar basis. See Living Benefit Riders – </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> lifetime income suite or Appendix C – </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk), Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage and Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Max 6 Select</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For example, assume an initial deposit into the Contract of $10,000, and no withdrawals have been taken. The Contract Value decreases and equals $8,000 on the Valuation Date the death claim is approved. Since your principal is guaranteed, the amount of Death Benefit paid equals $10,000. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In a declining market, withdrawals deducted in the same proportion that withdrawals may reduce the Contract Value may have a magnified effect on the reduction of the Death Benefit payable. This is because the reduction in the benefit may be more than the dollar amount withdrawn from the Contract Value. All references to withdrawals include deductions for any applicable charges associated with those withdrawals, financial planning fees, and premium taxes, if any.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">If a Contractowner, joint owner or Annuitant was added or changed subsequent to the effective date of this Contract (unless the change occurred because of the death of a prior Contractowner, joint owner or Annuitant), upon the death of the person who was changed, we will only pay the Contract Value as of the Valuation Date we approve the payment of the death claim. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your Contract Value equals zero, no Death Benefit will be paid.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Highest Anniversary Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Highest Anniversary Death Benefit is in effect, the Death Benefit paid will be the greatest of: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current Contract Value as of the Valuation Date we approve the payment of the claim; or </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">the sum of all Purchase Payments decreased by withdrawals in the same proportion that withdrawals reduced the Contract Value. Regular Income Payments under </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage and withdrawals less than or equal to the Protected Annual Income amount under applicable Living Benefit Riders reduce the sum of all Purchase Payment amounts on a dollar for dollar basis. See Living Benefit Riders – </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> lifetime income suite or Appendix C – </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk), Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage and Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Max 6 Select</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the highest anniversary value on any contract anniversary (including the inception date) (determined before the allocation of any Purchase Payments on that contract anniversary) prior to the 81</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> birthday of the oldest Contractowner, joint owner (if applicable), or Annuitant and prior to death of the Contractowner, joint owner (if applicable) or Annuitant for whom a Death Benefit is payable. The highest Contract Value is increased by Purchase Payments and is decreased by withdrawals subsequent to the anniversary date in the same proportion that withdrawals reduced the Contract Value. Regular Income Payments under </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage and withdrawals less than or equal to the Protected Annual Income amount under applicable Living Benefit Riders reduce the highest anniversary value on a dollar for dollar basis. See Living Benefit Riders – </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:1pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> lifetime income suite or Appendix C – </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk), Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage and Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage. The following example shows how the Death Benefit amount is calculated under the Highest Anniversary Death Benefit:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:107.25pt;width:313.5pt;"> <tr style="height:12.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">July 3, 2026 – Initial deposit/Contract Value</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">July 3, 2036 – Contract Value</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">125,000</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">July 3, 2040 – Contract Value</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">123,500</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Highest Anniversary Death Benefit equal to the highest Contract Value or any contract anniversary, so the amount of the Death Benefit paid equals $125,000. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In a declining market, withdrawals deducted in the same proportion that withdrawals reduce the Contract Value may have a magnified effect on the reduction of the Death Benefit payable. This is because the reduction in the benefit may be more than the dollar amount </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawn from the Contract Value. All references to withdrawals include deductions for any applicable charges associated with those withdrawals and premium taxes, if any.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Availability. The Highest Anniversary Death Benefit may not be available in all states. Please check with your financial professional regarding availability. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Highest Anniversary Death Benefit is available for both qualified and nonqualified contracts, and can only be elected at the time the Contract is purchased. If elected, the rider will be effective on the Contract’s effective date. The oldest Contractowner, joint owner (if applicable), or Annuitant must be under age 76 at the time of election. There is an additional charge for this Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Highest Anniversary Death Benefit may not be terminated unless you surrender the Contract. In addition, the rider will terminate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the Annuity Commencement Date; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the date the Lifetime Income Period begins under </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon payment of a Death Benefit under the Highest Anniversary Death Benefit unless the surviving spouse elects to continue the Contract as the new Contractowner; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">at any time all Contractowners or Annuitants are changed. In this situation, the remaining Death Benefit will be the Contract Value Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Beneficiary is the spouse of the Contractowner, the surviving spouse may elect to continue the Contract as the new Contractowner. In this situation, a portion of the Death Benefit may be credited to the Contract. Any portion of the Death Benefit that would have been payable (if the Contract had not been continued) that exceeds the current Contract Value on the Valuation Date we approve the claim will be added to the Contract Value. The Highest Anniversary Death Benefit may not be discontinued once elected.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract Value Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Contract Value Death Benefit provides a Death Benefit equal to the Contract Value on the Valuation Date the death claim is approved by us for payment. The Contract Value Death Benefit is not available for election, but automatically becomes effective at the time all Contractowners and Annuitants are changed. Once you have the Contract Value Death Benefit, this Death Benefit cannot be changed. For example, assume an initial deposit into the Contract of $10,000. The Contract Value increases and equals $12,000 on the Valuation Date the Death Benefit is approved. The Death Benefit paid equals $12,000.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Death Benefit</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">provides a Death Benefit equal to the greater of: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current Contract Value as of the Valuation Date we approve the payment of the claim upon the death of the Contractowner/Annuitant; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the sum of all Purchase Payments decreased by Excess Withdrawals in the same proportion that withdrawals reduced the Contract Value. Withdrawals less than or equal to the Protected Annual Income amount under </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, and annual Advisory Fee Withdrawals up to 1.25% of your Contract Value within a Contract Year do not reduce the sum of all Purchase Payments for this Death Benefit. All withdrawals reduce the Contract Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For example, assume an initial deposit into the Contract of $10,000, and a $500 withdrawal has been taken that is equal to or less than the Protected Annual Income Amount. The Contract Value decreases due to subaccount performance and equals $8,000 on the Valuation Date the death claim is approved. Since your principal is guaranteed and not reduced for Protected Annual Income, the amount of the Death Benefit paid equals $10,000. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In a declining market, Excess Withdrawals reduce the Death Benefit in the same proportion the Contract Value is reduced, which may have a magnified effect on the reduction of the Death Benefit payable. This is because the reduction in the benefit may be more than the dollar amount withdrawn from the Contract Value. All references to Excess Withdrawals include deductions for premium taxes, if any.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Availability. </span><span style="font-family:Arial Narrow;font-size:10pt;">The </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> Death Benefit can only be elected at the time the Contract is purchased, and only in conjunction with the </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> rider, subject to state availability. The rider will be effective on the Contract’s effective date. The Contractowner/Annuitant must be 35 to 75 years of age at the time the Contract is issued. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Death Benefit may not be terminated unless you surrender the Contract. In addition, the Death Benefit rider will terminate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the selection of an Annuity Payout option; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if a withdrawal is taken prior to the youngest age on the Rate Sheet; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon the termination of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> rider; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if the Contract Value is reduced to zero; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon the election of any Annuity Payout option, including </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon the death of the Annuitant; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">at any time the Contractowner/Annuitant is changed. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Beneficiary is the spouse of the Contractowner, the surviving spouse may elect to continue the Contract as the new Contractowner but will not be allowed to assume the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Death Benefit. Upon death of the spouse who continues the Contract, the Account Value Death Benefit will be paid.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">General Death Benefit Information </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Only one of these Death Benefits may be in effect at any one time. Your Death Benefit terminates on and after the selection of an Annuity Payout option, unless you have elected the Highest Anniversary Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage only provides Death Benefit options during the Access Period. There are no Death Benefits during the Lifetime Income Period. Please see the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage – </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Death Benefit section of this prospectus for more information. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If there are joint owners, upon the death of the first Contractowner, we will pay a Death Benefit to the surviving joint owner. The surviving joint owner will be treated as the primary, designated Beneficiary. Any other Beneficiary designation on record at the time of death will be treated as a contingent Beneficiary. If the surviving joint owner is the spouse of the deceased joint owner, he/she may continue the Contract as sole Contractowner but will not be allowed to assume the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Death Benefit. Upon the death of the spouse who continues the Contract, we will pay a Death Benefit to the designated Beneficiary(s). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Beneficiary is the spouse of the Contractowner, then the spouse may elect to continue the Contract as the new Contractowner. All Contract provisions relating to spousal continuation are available only to a person who meets the definition of “spouse” under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">You are strongly encouraged to consult a tax advisor before electing spousal rights under the Contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The value of the Death Benefit will be determined as of the Valuation Date we approve the payment of the claim. Approval of payment will occur upon our receipt of a claim submitted in Good Order. To be in Good Order, we require all the following: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">an original certified death certificate or any other proof of death satisfactory to us; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">written authorization for payment; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">all required claim forms, fully completed (including selection of a settlement option). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Notwithstanding any provision of this Contract to the contrary, the payment of Death Benefits provided under this Contract must be made in compliance with Code Section 72(s) or 401(a)(9) as applicable, as amended from time to time. Death Benefits may be taxable. See Federal Tax Matters. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Unless otherwise provided in the Beneficiary designation, one of the following procedures will take place on the death of a Beneficiary: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if any Beneficiary dies before the Contractowner, that Beneficiary’s interest will go to any other Beneficiaries named, according to their respective interests; and/or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if no Beneficiary survives the Contractowner, the proceeds will be paid to the Contractowner’s estate. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Beneficiary is a minor, court documents appointing the guardian/custodian may be required. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Beneficiary may choose the method of payment of the Death Benefit unless the Contractowner has already selected a settlement option. If the Contract is a nonqualified contract, the Death Benefit payable to the Beneficiary or joint owner must be distributed within five years of the Contractowner’s date of death unless the Beneficiary begins receiving, within one year of the Contractowner’s death, the distribution in the form of a life annuity or an annuity for a designated period not extending beyond the Beneficiary’s life expectancy. If the Contract is a qualified contract or IRA, then the Death Benefit payable to the Beneficiary or joint owner must be distributed within ten years of the Contractowner’s date of death unless the Beneficiary is an “eligible designated beneficiary”. An eligible designated beneficiary may take the Death Benefit distribution in the form of a life annuity or an annuity for a designated period not extending beyond the Beneficiary’s life expectancy, subject to certain additional exceptions. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Upon the death of the Annuitant, Federal tax law requires that an annuity election be made no later than 60 days after we have approved the death claim for payment. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The recipient of a Death Benefit may elect to receive payment either in the form of a lump sum settlement or an Annuity Payout. If a lump sum settlement is elected, the proceeds will be mailed within seven days of approval by us of the claim subject to the laws, regulations and tax code governing payment of Death Benefits. This payment may be postponed as permitted by the Investment Company Act of 1940.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Dollar-Cost Averaging. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Dollar-cost averaging allows you to transfer amounts from the DCA fixed account, if available, or certain Subaccounts into the Subaccounts on a monthly basis or in accordance with other terms we make available. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may elect to participate in the DCA program at the time of application or at any time before the selection of an Annuity Payout option by completing our election form, by calling our Home Office, or by other electronic means. The minimum amount to be dollar cost averaged (DCA’d) is $1,500 over any time period between three and 60 months. We may offer different time periods for new Purchase Payments and for transfers of Contract Value. State variations may exist. Once elected, the program will remain in effect until the earlier of: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the selection of an Annuity Payout option;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the value of the amount being DCA’d is depleted; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">you cancel the program by written request or by telephone if we have your telephone authorization on file. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We reserve the right to limit certain time periods or to restrict access to this program at any time. </span><span style="font-family:Arial Narrow;font-size:10pt;">A transfer made as part of this program is not considered a transfer for purposes of limiting the number of transfers that may be made, or assessing any charges which may apply to transfers. Upon receipt of an additional Purchase Payment allocated to the DCA fixed account, if available, the existing program duration will be extended to reflect the end date of the new DCA program. However, the existing interest crediting rate will not be extended. The existing interest crediting rate will expire at its originally scheduled expiration date and the value remaining in the DCA account from the original amount as well as any additional Purchase Payments will be credited with interest at the standard DCA rate at the time. If you cancel the DCA program, your remaining Contract Value in the DCA program will be allocated to the Subaccounts according to your allocation instructions. We reserve the right to discontinue or modify this program at any time. If you have chosen DCA from one of the Subaccounts, only the amount allocated to that DCA program will be transferred. Investment gain, if any, will remain in </span><span style="font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">that</span><span style="font-family:Arial Narrow;font-size:10pt;"> Subaccount unless you reallocate it to one of the other Subaccounts. If you are enrolled in automatic rebalancing, this amount may be automatically rebalanced based on your allocation instructions in effect at the time of rebalancing. DCA does not assure a profit or protect against loss.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Portfolio Rebalancing. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Portfolio rebalancing is an option that restores to a pre-determined level the percentage of Contract Value allocated to each Subaccount. The rebalancing may take place monthly, quarterly, semi-annually or annually. Rebalancing events will be noted on your quarterly statement. The fixed account is not available for portfolio rebalancing. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Only one of the two additional services (DCA and portfolio rebalancing) may be used at one time. For example, you cannot have DCA and portfolio rebalancing running simultaneously. We reserve the right to discontinue any or all of these administrative services at any time.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Automatic Withdrawal Service. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The automatic withdrawal service (AWS) provides for an automatic periodic withdrawal of your Contract Value. Withdrawals under AWS will be noted on your quarterly statement. Confirmation statements for each individual withdrawal will not be issued. AWS is also available for amounts allocated to the fixed account, if applicable.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Living Benefit Riders </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Living Benefit Riders described in this section 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 below. There are differences between the riders in the features provided, income rates, investment options, charge rates, and charge structure. Additionally, the age at which you may begin receiving a benefit from your rider may vary between riders. In addition, the purchase of one rider may impact the availability of another rider. Not all riders will be available at all times. Before you elect a rider, or terminate your existing rider to elect a new rider, you should carefully review the terms and conditions of each rider. Riders elected at contract issue will be effective on the Contract’s effective date. Riders elected after the Contract is issued will be effective on the next Valuation Date following approval by us. You cannot elect more than one Living Benefit Rider or payout option offered in your Contract at any one time. Your financial professional will help you determine which Living Benefit Rider best suits your financial goals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The benefits and features of the optional Living Benefit Riders are separate and distinct from the downside protection strategies that may be employed by the funds offered under the Contract. The riders do not guarantee the investment results of the funds. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">There is no guarantee that any Living Benefit Rider (except </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage) will be available in the future, as we reserve the right to discontinue them at any time. In addition, we may make different versions of a rider available to new purchasers. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Excess Withdrawals under certain Living Benefit Riders may result in a reduction or premature termination of those benefits or of those riders. If you are not certain how an Excess Withdrawal will reduce your future guaranteed amounts, you should contact either your financial professional or us prior to requesting a withdrawal to find out what impact, if any, the Excess Withdrawal will have on any guarantees under the Living Benefit Rider. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">If you purchase a Living Benefit Rider (except </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> 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. In addition, the fixed account is not available at this time. See Appendix B – Investment Requirements and Appendix C – Discontinued Living Benefit Riders for more information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">From time to time, we relax our rules that apply to dropping certain riders and subsequently adding certain new ones. For example, we may waive the waiting period and instead permit you to add a new rider immediately after dropping your old one. We may also let you drop a rider before it has been in effect for the required holding period. When you drop your old rider, your old rider and charge will be terminated. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you drop a rider for a new one during a period of time when we do not have an offer in place or have a different offer, you will not be eligible for any future offers related to the rider you previously dropped, even if such future offer would have included a greater or different benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Rate Sheets </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 financial professional, online at www.lfg.com/VAprospectus or by calling us at 1-877-534-8255. The rates and/or percentages from previous effective periods are included in Appendix D, E and F to this prospectus.</span> <span style="font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Advisory Fee Withdrawals for Optional Rider(s) </span><span style="font-family:Arial Narrow;font-size:10pt;">You may elect to take withdrawals from your Contract to pay the advisory fees associated with your Fee-Based Financial Plan (Advisory Fee Withdrawals). This Advisory Fee Withdrawal treatment may not be available in all states. You may take Advisory Fee Withdrawals of up to 1.25% annually without negatively impacting your optional rider(s). Advisory Fee Withdrawals may not be available in all states, and certain advisory firms may not allow withdrawals to pay advisory fees, so please check with your financial professional.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Cumulative annual Advisory Fee Withdrawals up to 1.25% of your Contract Value within a Contract Year will not reduce your guarantees or be considered a withdrawal under your Living Benefit Rider(s). We reserve the right to increase or decrease this percentage at </span><span style="font-family:Arial Narrow;font-size:10pt;">any time. For cumulative annual Advisory Fee Withdrawals that exceed 1.25% of your Contract Value within a Contract Year, the portion of the Advisory Fee Withdrawal over 1.25% will reduce your guarantees and will be treated as a withdrawal under your Living Benefit Rider(s). Your Contract Value and Contract Value portion of the elected Death Benefit will be reduced by the amount of each Advisory Fee Withdrawal. </span><span style="font-family:Arial Narrow;font-size:10pt;">For example, if your Account Value is $100,000, and your annual Advisory Fee Withdrawals equal 1.00% of your Contract Value, your Advisory Fee is $1,000. Since your Advisory Fee Withdrawal percentage is under the Advisory Fee Withdrawal limit of 1.25%, your withdrawal will not be treated as a withdrawal, and there is no negative impact to the guarantees under your rider(s). If your annual Advisory Fee Withdrawals equal 1.30% of your Account Value, your Advisory Fee is $1,300. Since your Advisory Fee Withdrawal percentage is greater than the Advisory Fee Withdrawal limit of 1.25%, the percentage of total advisory fees that exceed 1.25% will be treated as a withdrawal and will reduce the guarantees under your rider(s). </span><span style="font-family:Arial Narrow;font-size:10pt;">The impact of Advisory Fee Withdrawals on each optional rider is explained below in its respective section.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-8.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:7.5pt;font-weight:bold;position:relative;top:-5pt;">SM </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> is a combination Living Benefit Rider and Death Benefit rider. These riders are designed to work in conjunction with each other and may not be purchased separately. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> is available for purchase (subject to state availability), and provides: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed lifetime periodic withdrawals up to the Protected Annual Income amount which is based upon a guaranteed Protected Income Base; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An Enhancement amount added to the Protected Income Base if certain criteria are met, as set forth below; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Age-based increases to the Protected Annual Income amount (after reaching a higher age-band and after an Account Value Step-up); and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Death Benefit payable to the Beneficiary of your Contract upon the death of the Annuitant.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income lifetime income payments are based upon specified percentages of the Protected Income Base, which are age-based and may increase over time. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note any withdrawals made prior to the minimum withdrawal age, as stated on the Rate Sheet, are considered Excess Withdrawals. Additionally, Advisory Fee Withdrawals that exceed the Advisory Fee withdrawal percentage and 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, Enhancement Value, 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, including the portion of cumulative Advisory Fee Withdrawals over 1.25%, will also negatively impact the availability of an Enhancement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Contractowner or Annuitant may not be changed while this rider is in effect, including any sale or assignment of the contract as collateral. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Availability.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">The </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> rider can only be elected at the time the Contract is purchased, and only in conjunction with the </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM </span><span style="font-family:Arial Narrow;font-size:10pt;">Death Benefit, subject to state approval and variations.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> is no longer available for purchase. The rider will be effective on the Contract’s effective date. The initial Purchase Payment must be at least $25,000. Rider elections are subject to Home Office approval if total Purchase Payments equal $1 million or more. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> is available for purchase with nonqualified and qualified (IRAs and Roth IRAs) annuity contracts. The Contractowner or Annuitant must be 35 to 75 years of age at the time the Contract is issued (at least age 58 for contracts issued in the state of Maryland).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit Year.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Protected Annual Income withdrawals are available at the youngest age 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition to the Protected Annual Income amount, you may take Advisory Fee Withdrawals of up to 1.25% of your Contract Value annually without that withdrawal being considered a withdrawal under your Living Benefit Rider. Certain states and certain broker-dealers or advisory firms may not allow withdrawals to pay advisory fees so please check with your financial professional. The portion of any Advisory Fee Withdrawal in excess of 1.25% of your Contract Value will reduce the amount of available Protected Annual Income each year and will be considered a withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 and based on your age. 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 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. </span><span style="font-family:Arial Narrow;font-size:10pt;">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 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 financial professional, online at www.lfg.com/VAprospectus or by calling us at 1-877-534-8255. Protected Annual Income rates for previous effective periods are included in Appendix D to this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 RMDs to apply, the following must occur: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lincoln’s automatic withdrawal service is used to calculate and pay the RMD; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The RMD calculation must be based only on the value in this contract; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No withdrawals other than RMDs are made within the Benefit Year (except as described in the next paragraph); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This contract is not a beneficiary IRA; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You reach the minimum age, as stated on the Rate Sheet. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your RMD withdrawals during a Benefit Year are less than the Protected Annual Income amount, an additional amount up to the remaining Protected Annual Income amount may be withdrawn. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="font-family:Arial Narrow;font-size:10pt;">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 Federal Tax Matters. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Annual Income Payout Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income Payout Option (“PAIPO”) is an Annuity Payout option under which you will receive annuity payments for life. This option is different from other Annuity Payout options including </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Annuity payments made under PAIPO will be equal to the Protected Income Base multiplied by the Protected Annual Income rate listed on your Rate Sheet. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 the life of the Annuitant. Once you elect the PAIPO, the death benefit terminates, and the Beneficiary will not receive a death benefit payment. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Prior to the Selection of an Annuity Payout Option.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> 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 </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> 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. 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 Death Benefits. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Upon the death of the Contractowner or Annuitant, 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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Contractowner may not voluntarily terminate the rider, but the rider will automatically terminate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the selection of an Annuity Payout option (except payments under the Protected Annual Income Amount Annuity Payout Option will continue if applicable); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon the election of any Annuity Payout option, including </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon death of the Contractowner or Annuitant; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">when the Protected Annual Income amount or Contract Value is reduced to zero due to an Excess Withdrawal; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if the Contractowner or Annuitant is changed including any sale or assignment of the contract or any pledge of the contract as collateral; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the date the Contractowner is changed pursuant to an enforceable divorce agreement or decree; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon surrender or termination of the underlying annuity contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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, we reserve the right to require a 12-month wait after this termination before you can elect any Living Benefit Rider available for purchase at that time, except </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage. Once this rider is terminated, it may not be re-elected.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Income Base and Enhancement Base.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Protected Income Base is a value used to calculate your Protected Annual Income amount. The initial Protected Income Base will equal your initial Purchase Payment. 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) owned by you. State variations may exist. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> increased by an Enhancement or Account Value Step-up. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Additional Purchase Payments will not be allowed if the Contract Value decreases to zero for any reason, including market loss. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On each Benefit Year anniversary, the Protected Income Base will be the greater of the Contract Value and the Enhancement Value, if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1. the Contractowner/Annuitant is under age 86; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2. there are no withdrawals in the preceding Benefit Year, including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3. the rider is within the Enhancement Period; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4. the Enhancement Value is greater than the Protected Income Base immediately prior to a Benefit Year anniversary adjustment;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5. the Enhancement Value is greater than an Account Value Step-up that may have occurred on the same Benefit Year anniversary; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6. the Enhancement Base is greater than zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Enhancement rate applicable to new rider elections is set forth in a Rate Sheet prospectus supplement. The Rate Sheet indicates the Enhancement rate and the date by which your application 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. </span><span style="font-family:Arial Narrow;font-size:10pt;">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 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 financial professional, online at www.lfg.com/VAprospectus or by calling us at 1-877-534-8255. Enhancement Rates for previous effective periods are included in Appendix F to this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Initial Purchase Payment = $100,000; Protected Income Base = $100,000; Enhancement Base = $100,000; Enhancement Value = $100,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional Purchase Payment on day 30 = $15,000; Protected Income Base = $115,000; Enhancement Base = $115,000; Enhancement Value = $115,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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%)). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Consider a further additional Purchase Payment on day 95 = $10,000; Protected Income Base = $125,000; Enhancement Base = $115,000; Enhancement Value = $125,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the first Benefit Year anniversary, because the additional Purchase Payment is after the first 90 days from the effective date of the rider, the Protected Income Base and Enhancement Value will not be less than $131,900 (= $125,000 + ($100,000 x 6% + $15,000 x 6%)). The additional $10,000 will be added to the Enhancement Base on the second Benefit Year anniversary. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An example of the impact of a withdrawal on the Enhancement is included in the Withdrawal Amount section below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement Period. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Account Value Step-ups.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Protected Income Base will increase up to equal the highest Contract Value on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contractowner/Annuitant are under age 86; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the highest Contract Value on that Benefit Year anniversary, after the deduction of any withdrawals (including the protected lifetime income fee and account fee, and Advisory Fee Withdrawals in excess of 1.25% of your Contract Value), plus any Purchase Payments made on that date, is greater than the Protected Income Base immediately prior to that Benefit Year anniversary; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contract Value is equal to or greater than the Enhancement Value on the same Benefit Year anniversary. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 Protected Lifetime Income Fee</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> – </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Fee.) 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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):</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:480pt;"> <tr style="height:19.75pt;"> <td style="vertical-align:Bottom;width:150.87pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:49.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.12%;margin-right:12.12%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value</span></div></div></div></td> <td style="vertical-align:Bottom;width:87.11pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:6.89%;margin-right:6.89%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Income Base</span></div></div></div></td> <td style="vertical-align:Bottom;width:74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.11%;margin-right:8.11%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Enhancement Base</span></div></div></div></td> <td style="vertical-align:Bottom;width:118.53pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:5.06%;margin-right:20.25%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Enhancement Value</span></div></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:150.87pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">At issue</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:49.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:87.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:74pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:62pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:118.53pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:64.53pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:150.87pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:49.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">104,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:87.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">106,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:74pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:62pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:118.53pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:64.53pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">106,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:150.87pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:49.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">115,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:87.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">115,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:74pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:62pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:118.53pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:64.53pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">112,000</span></div></div></div></td></tr> <tr style="height:23.5pt;"> <td style="vertical-align:Bottom;width:150.87pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:49.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">116,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:87.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">118,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:74pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:62pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:118.53pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:64.53pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">118,000</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 5% Protected Annual Income rate and a Contract Value of $200,000 on the rider’s effective date:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:107.25pt;width:313.5pt;"> <tr style="height:12.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value on the rider's effective date</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base, Enhancement Base and Enhancement </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Value on the rider's effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Protected Annual Income amount on the rider's effective </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">date ($200,000 x 5%)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">10,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value six months after rider's effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">210,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base, Enhancement Base and Enhancement </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Value six months after rider's effective date</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawal six months after rider's effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">10,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value after withdrawal ($210,000 - $10,000)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base, Enhancement Base and Enhancement </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Value after withdrawal ($200,000 - $0)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value on first Benefit Year anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">205,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base first Benefit Year anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">205,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhancement Value and Enhancement Base on first Benefit Year </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:23.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Annual Income amount on first Benefit Year anniversary </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">($205,000 x 5%)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">10,250</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 $10,250 (5% x $205,000). The Enhancement Base and Enhancement Value remain at $200,000. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Excess Withdrawals are: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawals made prior to the minimum withdrawal age, as stated on the Rate Sheet; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawals that are payable to any assignee or assignee’s bank account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advisory Fee Withdrawals that exceed the Advisory Fee Withdrawal percentage where it was made prior to the minimum withdrawal age as stated on your Rate Sheet, or that exceed the Protected Annual Income amount are considered Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When an Excess Withdrawal occurs: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 financial professional or call us at 1-877-534-8255.if you have any questions about Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 $10,940 withdrawal which causes an $10,200 reduction in the Protected Income Base and Enhancement Base. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Prior to Excess Withdrawal:</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $60,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Value = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $4,250 (5% of the Protected Income Base of $85,000) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After a $10,940 withdrawal ($4,250 is within the Protected Annual Income amount, $6,690 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: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $55,750 ($60,000 - $4,250)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Value = $85,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Contract Value is also reduced by the $6,690 Excess Withdrawal and the Protected Income Base, Enhancement Base, and Enhancement Value are reduced by 12%, the same proportion by which the Excess Withdrawal reduced the $55,750. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $49,060 ($55,750 - $6,690).</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value reduction % due to the Excess Withdrawal = 12% ($6,690 ÷ $55,750)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Value = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $3,740 (5% of $74,800 Protected Income Base) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the following Benefit Year anniversary: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $48,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Value = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $3,740 (5% x $74,800)</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-8.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;"> Lifetime Income Suite </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> is a suite of Living Benefit Riders available for purchase that provides: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed lifetime periodic withdrawals for you (and the Secondary Life if the joint life option is selected) up to the Protected Annual Income amount which is based upon a Protected Income Base; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An Enhancement that increases the Protected Income Base if certain criteria are met, as set forth below; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Age-based increases to the Protected Annual Income amount (after reaching a higher age-band and after an Account Value Step-up). </span><span style="font-family:Arial Narrow;font-size:10pt;">The rider suite provides flexible investment and income choices to meet your individual needs by currently offering three options: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">,</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">, and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln ProtectedPay Secure Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> are no longer available for purchase. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In the following discussion, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, together, are referred to as the “Core options.” </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, together, are referred to as the “Plus options.” </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, together, are referred to as the “Max options”. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You should carefully consider which is the best option for you. Consider the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Core options provide level income that does not decrease if the Contract Value reaches $0 and the opportunity to transition to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Plus options provide higher initial income that decreases further than the Core options, if the Contract Value reaches $0. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Max options provide the highest initial income that decreases further than the Plus options, if the Contract Value reaches $0. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The income option selected is irrevocable unless you follow the termination guidelines listed later in this discussion. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 the Secondary Life if the joint life option is chosen. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note any withdrawals made prior to the youngest age on the Rate Sheet, or that exceed the Protected Annual Income amount are considered Excess Withdrawals. Additionally, Advisory Fee Withdrawals that exceed the Advisory Fee withdrawal percentage and 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, Enhancement Value, and Enhancement Base 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. As a result, the Protected Annual Income amount would be reduced as well. If the Enhancement Base is reduced to zero, you will not be eligible for further Enhancements. Withdrawals, including the portion of cumulative Advisory Fee Withdrawals over 1.25%, will also negatively impact the availability of an Enhancement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. Under the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">riders, the Secondary Life must be the spouse. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Availability.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Select riders are available for election on all new and existing contracts. Beginning May 18, 2026, the </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Select riders will only be available for election at the time the Contract is purchased.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="font-family:Arial Narrow;font-size:10pt;">Secure riders are no longer available for election. 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 and will be the rider version available for sale at that time. The initial Purchase Payment or Contract Value (if purchased after the Contract is issued) must be at least $25,000. Rider elections are subject to Home Office approval if your Contract Value totals $1 million or more. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Select is available for purchase with nonqualified and qualified (IRAs and Roth IRAs) annuity contracts. The Contractowner/Annuitant as well as the Secondary Life under the joint life option must be age 85 or younger at the time this rider is elected (at least age 58 for contracts issued in the state of Maryland). </span><span style="font-family:Arial Narrow;font-size:10pt;">If you own a Living Benefit Rider and you wish to elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Select, if available, you must first terminate your existing Living Benefit Rider. We reserve the right to require a 12-month wait after this termination, and you must also comply with your existing Living Benefit Rider’s termination rules, before you will be able to elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Select, if available. For further information on termination rules, see the “Termination” section associated with your Living Benefit Rider. In all cases, by terminating your existing Living Benefit Rider, you will no longer be entitled to any of the benefits that have accrued under that rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Protected Annual Income withdrawals are available at the youngest age 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, these withdrawals may be taken for your lifetime (single life option) or the lifetimes of you and your Secondary Life (joint life option). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Protected Annual Income amount for the Plus and Max options will be reduced if your Contract Value is reduced to zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition to the Protected Annual Income amount, you may take Advisory Fee Withdrawals of up to 1.25% of your Contract Value annually without that withdrawal being considered a withdrawal under your Living Benefit Rider. Certain states and certain broker-dealers or advisory firms may not allow withdrawals to pay advisory fees so please check with your financial professional. The portion of any Advisory Fee Withdrawal in excess of 1.25% of your Contract Value will reduce the amount of available Protected Annual Income each year and will be considered a withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 younger age of you or the Secondary Life will be used. The Protected Annual Income amount will change upon an Account Value Step-up, an Enhancement, additional Purchase Payments, and Excess Withdrawals, as described below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 financial professional, online at www.lfg.com/VAprospectus, or by calling us at 1-877-534-8255. Protected Annual Income rates for previous effective periods are included in Appendix D to this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After your first Protected Annual Income withdrawal, the Protected Annual Income rate can 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 RMD exception to apply, the following must occur: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lincoln’s automatic withdrawal service is used to calculate and pay the RMD; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The RMD calculation must be based only on the value in this Contract; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No withdrawals other than the RMD are made within the Benefit Year (except as described in the next paragraph); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4. This Contract is not a beneficiary IRA; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5. The younger of you or the Secondary Life (joint life option) reach the youngest age band on the Rate Sheet. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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 the RMD, will be treated as Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 Federal Tax Matters for information on determining what amounts are includable in gross income. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Annual Income Payout Option.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Protected Annual Income Payout Option (“PAIPO”) is an Annuity Payout option under which the Contractowner (and joint life if applicable) will receive annuity payments for life. This option is different from other Annuity Payout options, including </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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 payments under the PAIPO. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Core options: Contractowners may decide to choose the PAIPO over </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit if they feel this may provide a higher final payment over time and they place more importance on this payment over access to the Account Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 the Secondary Life for the joint life option. Once you elect the PAIPO, the death benefit terminates, and the Beneficiary will not receive a Death Benefit payment. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Prior to the Selection of an Annuity Payout Option.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> has no provision for a payout of the Protected Income Base, Enhancement Base or Enhancement Value upon death of the Contractowners 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 earlier in this prospectus) will be in effect. Election of </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> 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 Death Benefits. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Upon the death of the Contractowner or Annuitant (single life option), 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 to be available, if applicable, as discussed above. Upon the death of the surviving spouse, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> will automatically terminate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the selection of an Annuity Payout option (except payments under the Protected Annual Income Payout Option will continue if applicable); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon the election of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon the death under the single life option or the death of the surviving Secondary Life under the joint life option; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">when the Protected Income Base or Contract Value is reduced to zero due to an Excess Withdrawal; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if the Contractowner or Annuitant is changed (except if the Secondary Life under the joint life option assumes ownership of the Contract upon the death of the Contractowner) including any sale or assignment of the Contract or any pledge of the Contract as collateral; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the date the Contractowner is changed due to an enforceable divorce agreement or decree; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon surrender or termination of the underlying annuity contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The termination will not result in any increase in Contract Value to equal the Protected Income Base, Enhancement Base or Enhancement Value. Upon effective termination of this rider, the benefits and charges within this rider will terminate. If you terminate the rider, we reserve the right to require a 12-month wait after this termination before you can elect any Living Benefit Rider available for purchase at that time, except </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Core options: </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guaranteed Income Benefit option.</span><span style="font-family:Arial Narrow;font-size:10pt;"> Contractowners who elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="font-family:Arial Narrow;font-size:10pt;">may decide to later transition to </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Advantage Select Guaranteed Income Benefit. Contractowners who elected</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> may decide to later transition to </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Advantage Guaranteed Income Benefit (Managed Risk). This transition must be made prior to the maximum age limit and prior to the selection of an Annuity Payout option. You cannot have both </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage and another Living Benefit Rider in effect on your Contract at the same time. See </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit Transitions for a discussion of this transition.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit Year.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Excess Withdrawals.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Excess Withdrawals are: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawals made prior to the youngest age on the Rate Sheet; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawals that are payable to any assignee or assignee’s bank account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advisory Fee Withdrawals that exceed the Advisory Fee Withdrawal percentage where it was made prior to the youngest age on the Rate Sheet, or that exceed the Protected Annual Income amount are considered Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When an Excess Withdrawal occurs: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Protected Annual Income amount will be recalculated to equal the applicable Protected Annual Income rate multiplied by the new Protected Income Base (after the proportionate reduction for the Excess Withdrawal). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 financial professional or call us at the number provided in this prospectus if you have questions about Excess Withdrawals.</span><span style="font-family:Arial Narrow;font-size:10pt;">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 $10,940 withdrawal, which causes a $10,200 reduction in the Protected Income Base and Enhancement Base. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Prior to Excess Withdrawal:</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $60,000 </span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Value = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $4,250 (5% of the Protected Income Base of $85,000) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After a $10,940 Withdrawal ($4,250 is within the Protected Annual Income amount, $6,690 is the Excess Withdrawal):</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $55,750 ($60,000 - $4,250)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Value = $85,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Contract Value is also reduced by the $6,690 Excess Withdrawal and the Protected Income Base, Enhancement Base and the Enhancement Value are reduced by 12%, the same proportion by which the Excess Withdrawal reduced the $55,750. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $49,060 ($55,750 - $6,690)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value Reduction % due to the Excess Withdrawal = 12% ($6,690 ÷ $55,750)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Value = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $3,740 (5% of $74,800 Protected Income Base) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the following Benefit Year anniversary: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $48,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Value = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $3,740 (5% x $74,800) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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 Protected Income Base, Enhancement Base, and Enhancement Value 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.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Income Base and Enhancement Base.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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 Contract 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 Secondary Life if joint life option) are the covered lives. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> increased by an Enhancement or Account Value Step-up. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After the first anniversary of the rider effective date, once cumulative additional Purchase Payments exceed $100,000, additional Purchase Payments may not exceed $50,000 per Benefit Year without Home Office approval. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Additional Purchase Payments will not be allowed if the Contract Value decreases to zero for any reason, including market loss. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> We will increase the Enhancement Value on each Benefit Year anniversary during the Enhancement Period if no withdrawal occurred in that Benefit Year. An Enhancement will occur on a Benefit Year anniversary only if all following conditions are satisfied.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On each Benefit Year anniversary, the Protected Income Base will be equal to the Enhancement Value, if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contractowner/Annuitant (as well as the Secondary Life if the joint life option is in effect) is under the age of 86; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">there were no withdrawals in the preceding Benefit Year, including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. the rider is within the Enhancement Period; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. the Enhancement Value is greater than the Protected Income Base immediately prior to a Benefit Year anniversary; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e. the Enhancement Value is greater than the Contract Value on the same Benefit Year anniversary; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">f. the Enhancement Base is greater than zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The initial Enhancement Value is equal to the initial Protected Income Base. The 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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, including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Enhancement rate applicable to new rider elections is declared in 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 financial professional, online at www.lfg.com/VAprospectus or by calling us at 1-877-534-8255. Enhancement Rates for previous effective periods are included in Appendix F to this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Initial Purchase Payment = $100,000; Protected Income Base = $100,000; Enhancement Base = $100,000; Enhancement Value = $100,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional Purchase Payment on day 30 = $15,000; Protected Income Base = $115,000; Enhancement Base = $115,000; Enhancement Value = $115,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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%)). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Consider a further additional Purchase Payment on day 95 of $10,000; Protected Income Base = $125,000; Enhancement Base = $115,000; Enhancement Value $125,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the first Benefit Year anniversary, because the additional Purchase Payment is after the first 90 days from the effective date of the rider, the Protected Income Base and Enhancement Value will not be less than $131,900 (= $125,000 + ($100,000 x 6% + $15,000 x 6%)). The additional $10,000 will be added to the Enhancement Base on the second Benefit Year anniversary. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 Value 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 each year. An Enhancement or an Account Value Step-up cannot increase the Protected Income Base above the maximum Protected Income Base of $10 million. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An example of the impact of a withdrawal on the Enhancement is included in the Withdrawal Amount section below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement Period. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Account Value Step-ups.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Protected Income Base will increase to equal the Contract Value on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contractowner/Annuitant (single life option), or the Contractowner/Annuitant and Secondary Life (joint life option) are under age 86; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contract Value on that Benefit Year anniversary, after the deduction of any withdrawals or fees (including the protected lifetime income fee), plus any Purchase Payments made on that date is greater than the Protected Income Base immediately prior to that Benefit Year anniversary; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contract Value is equal to or greater than the Enhancement Value on the same Benefit Year anniversary. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="font-family:Arial Narrow;font-size:10pt;">Your 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 Charges,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and Adjustments – Protected Lifetime Income Fees for details. If you decline an Account Value Step-up, you will continue to be eligible for future Account Value Step-ups and Enhancements if you meet the conditions listed above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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):</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:480pt;"> <tr style="height:19.75pt;"> <td style="vertical-align:Bottom;width:150.87pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:49.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.12%;margin-right:12.12%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value</span></div></div></div></td> <td style="vertical-align:Bottom;width:87.11pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:6.89%;margin-right:6.89%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Income Base</span></div></div></div></td> <td style="vertical-align:Bottom;width:74pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.11%;margin-right:8.11%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Enhancement Base</span></div></div></div></td> <td style="vertical-align:Bottom;width:118.53pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:5.06%;margin-right:20.25%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Enhancement Value</span></div></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:150.87pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">At issue</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:49.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:87.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:74pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:62pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:118.53pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:64.53pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:150.87pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:49.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">104,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:87.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">106,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:74pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:62pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:118.53pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:64.53pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">106,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:150.87pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:49.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">115,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:87.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">115,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:74pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:62pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:118.53pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:64.53pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">112,000</span></div></div></div></td></tr> <tr style="height:23.5pt;"> <td style="vertical-align:Bottom;width:150.87pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year </span></div> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:49.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">116,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:87.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">118,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:74pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:62pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:118.53pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:64.53pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">118,000</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Core options: If your Contract Value is reduced to zero for any reason other than for an Excess Withdrawal, the remaining Protected Annual Income amount for that Benefit Year will be paid in a lump sum. On the next Benefit Year anniversary, the scheduled amount will automatically resume and continue for your life (and the Secondary Life’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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 amount received in the Benefit Year your Contract Value is reduced to zero is 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 the life of the Secondary 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For all rider options, cumulative withdrawals during a Benefit Year that are 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 affect the Protected Income Base, the Enhancement Base, Enhancement Value, and the Contract Value. The example assumes a 5% Protected Annual Income rate and a Contract Value of $200,000 on the rider’s effective date:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:107.25pt;width:313.5pt;"> <tr style="height:12.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value on the rider's effective date</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base, Enhancement Base and Enhancement </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Value on the rider's effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Protected Annual Income amount on the rider's effective </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">date ($200,000 x 5%)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">10,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value six months after rider's effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">210,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base, Enhancement Base and Enhancement </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Value six months after rider's effective date</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawal six months after rider's effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">10,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value after withdrawal ($210,000 - $10,000)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base, Enhancement Base and Enhancement </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Value after withdrawal ($200,000 - $0)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value on first Benefit Year anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">205,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base first Benefit Year anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">205,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhancement Value and Enhancement Base on first Benefit Year </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:23.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Annual Income amount on first Benefit Year anniversary </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">($205,000 x 5%)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">10,250</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 anniversary of the rider’s effective date, the Protected Annual Income amount is $10,250 (5% x $205,000). The Enhancement Base and Enhancement Value remain at $200,000. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-8.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Advantage </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Select Advantage is a Living Benefit Rider available for purchase that provides a Protected Income Base which will be used to establish the amount of the Guaranteed Income Benefit payment upon the election of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">If you elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Select Advantage, you must later transition to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit in order to receive a benefit from </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Select Advantage. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Availability. </span><span style="font-family:Arial Narrow;font-size:10pt;">The </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Select Advantage rider is available for election on all new and existing contracts. Beginning May 18, 2026, this rider will only be available for election at the time the Contract is purchased. 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 </span><span style="font-family:Arial Narrow;font-size:10pt;">Date following approval by us and will be the rider version available for sale at that time. The initial Purchase Payment or Contract Value (if purchased after the Contract is issued) must be at least $25,000. Rider elections are subject to Home Office approval if your Contract Value totals $1 million or more. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Select Advantage is not available with qualified contracts and is designed primarily for 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. The Contractowner, Annuitant, and Secondary Life under the joint life option must be age 85 or younger at the time this rider is elected. </span><span style="font-family:Arial Narrow;font-size:10pt;">If you own a Living Benefit Rider and you wish to elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Select Advantage, you must first terminate your existing Living Benefit Rider. We reserve the right to require a 12-month wait after this termination, and you must also comply with your existing Living Benefit Rider’s termination rules before you will be able to elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Select Advantage, if available. For further information on termination rules, see the “Termination” section associated with your Living Benefit Rider. In all cases, by terminating your existing Living Benefit Rider, you will no longer be entitled to any of the benefits that have accrued under that rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit Year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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.</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Prior to the Selection of an Annuity Payout Option.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Select Advantage has no provision for a payout of the Protected Income Base, Enhancement Base, or Enhancement Value upon death of the Contractowners or Annuitant and provides no increase in the Death Benefit value 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 this prospectus) will be in effect. Election of the </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Select Advantage does not impact the Death Benefit options available for purchase with your annuity contract. Generally, all Death Benefit payments must be made in compliance with Internal Revenue Code Sections 72(s) or 401(a)(9), as amended. See Death Benefits. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Contractowner is not also named as the Annuitant or the Secondary Life, upon the first death of the Annuitant or Secondary Life, the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Select Advantage rider will continue. Upon the second death of either the Annuitant or Secondary Life, the rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Upon the death of the Contractowner, this rider will continue only if either Annuitant or the Secondary Life becomes the new Contractowner and payments under </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage begin within one year after the death of the Contractowner. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> After the fifth anniversary of the effective date of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Select Advantage rider, the Contractowner may terminate the rider by notifying us in writing. After this time, the rider will also terminate if the Contractowner fails to adhere to the Investment Requirements. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Select Advantage will automatically terminate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the selection of an Annuity Payout option; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if the Annuitant is changed including any sale or assignment of the Contract or any pledge of the Contract as collateral; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon the second death of either the Annuitant or Secondary Life; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">when the Protected Income Base is reduced to zero due to withdrawals; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the last day that you can elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage (age 95, younger of you or the Secondary Life); or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon termination of the underlying contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This termination will not result in any increase in Contract Value equal to the Protected Income Base, Enhancement Base or Enhancement Value (if applicable). Upon effective termination of this rider, the benefits and charges within this rider will terminate. If you terminate the rider, we reserve the right to require a 12-month wait after this termination before you can elect any Living Benefit Rider available for purchase at that time. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit option</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">. If you elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Select Advantage, you must later transition to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Select Guaranteed Income Benefit in order to receive a benefit from </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Select Advantage. This transition must be made prior to the maximum age limit and upon selection of an Annuity Payout option. You cannot have both </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage and another Living Benefit Rider in effect on your Contract at the same time. See </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit Transitions for a discussion of this transition.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Income Base and Enhancement Base.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Protected Income Base is a value used to calculate the Guaranteed Income Benefit amount under </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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 Secondary Life if joint life option) are the covered lives. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For rider elections on and after November 28, 2022 (subject to state availability), 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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">not </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For rider elections on and after June 11, 2018, and prior to November 28, 2022 (subject to state availability), the Enhancement Base is the value used to calculate the amount that may be added to the Protected Income Base upon an Enhancement. The Enhancement Base is equal to the Protected Income Base 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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">not </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 Enhancement Base for purposes of calculating the Enhancement on the first Benefit Year anniversary. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Rider elections prior to June 11, 2018 do not have an Enhancement Base. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After the first anniversary of the rider effective date, once cumulative additional Purchase Payments exceed $100,000, additional Purchase Payments may not exceed $50,000 per Benefit Year without Home Office approval. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Additional Purchase Payments will not be allowed if the Contract Value decreases to zero for any reason, including market loss. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Each withdrawal (including the portion of cumulative Advisory Fee Withdrawals over 1.25% of your Contract Value for that Contract Year) 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. Withdrawals, including the portion of cumulative Advisory Fee Withdrawals over 1.25%, will also negatively impact the availability of an Enhancement. Additionally, Advisory Fee Withdrawals that exceed the Advisory fee withdrawal percentage are considered Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Prior to the withdrawal: </span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $112,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $125,500</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $125,500</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Value = $125,500 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $100,800 ($112,000 - $11,200) </span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $112,950 ($125,500 x 10% = $12,550; $125,500 - $12,550 = $112,950)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $112,950 ($125,500 x 10% = $12,550; $125,500 - $12,550 = $112,950)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Value = $112,950 ($125,500 x 10% = $12,550; $125,500 - $12,550 = $112,950) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 financial professional, online at www.lfg.com/VAprospectus or by calling us at 1-877-534-8255. Enhancement rates for previous effective periods are included in Appendix F to this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For rider elections on after November 28, 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On each Benefit Year anniversary, the Protected Income Base will be the greater of the Account Value and the Enhancement Value, if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. the Contractowner/Annuitant (as well as the Secondary Life if the joint life option is in effect) is under the age of 86; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. there were no withdrawals in the preceding Benefit Year including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. the rider is within the Enhancement Period; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. the Enhancement Value is greater than the Protected Income Base immediately prior to a Benefit Year anniversary adjustment;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e. the Enhancement Value is greater than the Contract Value on the same Benefit Year anniversary; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">f. the Enhancement Base is greater than zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For rider elections prior to November 28, 2022, you are eligible for an increase in the Protected Income Base through an Enhancement on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Annuitant (single life option) or the Annuitant and Secondary Life (joint life option) are under age 86; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">there were no withdrawals in the preceding Benefit Year including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the rider is within the Enhancement Period (described below); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Protected Income Base after the Enhancement amount is added would be greater than the Contract Value on the same Benefit Year anniversary; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Enhancement Base is greater than zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">During the first ten Benefit Years, an increase in the Protected Income Base as a result of the Enhancement will not cause an increase in the annual protected lifetime income fee rate but will increase the dollar amount of the fee. After the tenth Benefit Year anniversary, if the Enhancement Period has renewed, the annual rate may increase each time the Protected Income Base increases as a result of the Enhancement. If you decline an Enhancement, you will continue to be eligible for an Enhancement starting on the next Benefit Year anniversary as long as you meet the conditions listed above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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 an Advisory Fee Withdrawal in excess of the Advisory Fee Withdrawal percentage 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following is an example of the impact of the 5% Enhancement on the Protected Income Base and assumes that no withdrawals have been made. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Initial Purchase Payment = $100,000; Protected Income Base = $100,000; Enhancement Base = $100,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional Purchase Payment on day 30 = $15,000; Protected Income Base = $115,000; Enhancement Base = $115,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 will not be less than $120,750 = ($100,000 x 1.05 + $15,000 x 1.05). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Consider a further additional Purchase Payment on day 95 of $10,000; Protected Income Base = $125,000; Enhancement Base = $125,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This additional Purchase Payment is not eligible for the Enhancement on the first Benefit Year anniversary because it was received after the first 90 days after the effective date for the rider. It will not be eligible for an Enhancement until the second Benefit Year anniversary. Therefore, on the first Benefit Year anniversary, the Protected Income Base will not be less than $130,750 = ($100,000 x 1.05 + $15,000 x 1.05 + $10,000). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As explained below, 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement Period. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Enhancement Period is a 10-year period that begins on the effective date of the rider. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Rider elections prior to June 11, 2018 and on and after November 28, 2022 (subject to state availability), have only one 10-year Enhancement Period. The Enhancement Period does not reset, and Enhancements are not available once the Enhancement Period has expired. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Riders elected on and after June 11, 2018, and prior to November 28, 2022 (subject to state availability), 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Account Value Step-up. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For rider elections on and after November 28, 2022 (subject to state availability), the Protected Income Base will increase to equal the highest Contract Value on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contractowner/Annuitant (single life option), or the Contractowner/Annuitant and Secondary Life (joint life option) are under age 86; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the highest Contract Value on that Benefit Year anniversary, after the deduction of any withdrawals (including the protected lifetime income fee and account fee, and Advisory Fee Withdrawals in excess of 1.25% of your Contract Value), plus any Purchase Payments made on that date, is greater than the Protected Income Base immediately prior to that Benefit Year anniversary; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Account Value Step-up is greater than the Enhancement Value on the same Benefit Year anniversary. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For rider elections prior to November 28, 2022 (subject to state availability), the Protected Income Base and Enhancement Base will increase to equal the highest Contract Value on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Annuitant (single life option), or the Secondary Life (joint life option) are still living and under age 86; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contract Value on that Benefit Year anniversary, after the deduction of any withdrawals (including the protected lifetime income fee and account fee, and Advisory Fee Withdrawals in excess of 1.25% of your Contract Value), plus any Purchase Payments made on that date, is equal to or greater than the Protected Income Base after an Enhancement (if any). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For rider elections on or after June 11, 2018, and prior to November 28, 2022 (subject to state availability), 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. </span><span style="font-family:Arial Narrow;font-size:10pt;">For all rider elections, the 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. See Charges,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and Adjustments– Protected Lifetime Income Fees for details. If you decline an Account Value Step-up, you will continue to be eligible for an Enhancement through the end of the Enhancement Period, including in the year you declined the Account Value Step-up, as long as you meet the conditions listed above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Following is an example of how the Account Value Step-up and the 5% Enhancement impact the Protected Income Base (assuming no withdrawals or additional Purchase Payments):</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:17.5pt;"> <td style="vertical-align:Bottom;width:402.39pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.5pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:13.48%;margin-right:13.48%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value</span></div></div></div></td> <td style="vertical-align:Bottom;width:81.11pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:7.40%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Income Base</span></div></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:azure;vertical-align:Top;width:402.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">At issue</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">50,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:81.11pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">50,000</span></div></div></div></td></tr> <tr style="height:14pt;"> <td style="vertical-align:Top;width:402.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">54,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:81.11pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">54,000</span></div></div></div></td></tr> <tr style="height:12.5pt;"> <td style="background-color:azure;vertical-align:Top;width:402.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">53,900</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:81.11pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">56,700</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the first Benefit Year anniversary, the Account Value Step-up increased the Protected Income Base to the Contract Value of $54,000 since the increase in the Contract Value is greater than the 5% Enhancement amount of $2,500 (5% of $50,000). On the second Benefit Year anniversary, the 5% Enhancement provided a larger increase (5% of $54,000 = $2,700).</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-8.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;"> Advantage </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage (the Variable Annuity Payout Option Rider in your Contract) is an optional Annuity Payout rider you may purchase at an additional cost and is separate and distinct from other Annuity Payout options offered under your Contract and described later in this prospectus. You may also purchase </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit for an additional charge. See Charges,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and Adjustments — </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Charge. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage provides variable, periodic Regular Income Payments for life subject to certain conditions. The optional Guaranteed Income Benefit,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">if available, provides a minimum payout floor for those Regular Income Payments. These payments are made during two time periods; an Access Period and a Lifetime Income Period, which are discussed in further detail below. If your Account Value is reduced to zero (except by additional withdrawals as described below), these payments will continue for your life (or the lives of you and your Secondary Life under the joint life option) during the Lifetime Income Period. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage is different from other Annuity Payout options provided by Lincoln because with </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage, you have the ability to make additional withdrawals or surrender the Contract during the Access Period. If your Account Value is reduced to zero due to any withdrawals (except for Advisory Fee Withdrawals that are within the Advisory Fee Withdrawal percentage), </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage will end and your Contract will terminate. The Guaranteed Income Benefit is described in further detail below.</span><span style="font-family:Arial Narrow;font-size:10pt;">When you elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage, you must choose the Annuitant and Secondary Life</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">(if applicable). The Annuitant and Secondary Life may not be changed after </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage is elected. For qualified contracts, the Secondary Life must be the spouse. See </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Death Benefits regarding the impact of a change to the Annuitant prior to the </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage election. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage is selected, the applicable transfer provisions among Subaccounts and the fixed account will continue to be those specified in your annuity contract for transfers on or before the selection of an Annuity Payout option. However, once </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage begins, any automatic withdrawal service will terminate (except an AWS service designated specifically for the purpose of Advisory Fee Withdrawals). See The Contracts – Transfers on or Before the Selection of an Annuity Payout Option. </span><span style="font-family:Arial Narrow;font-size:10pt;">Additional Purchase Payments may be made during the Access Period for an IRA annuity contract, unless a Guaranteed Income Benefit has been elected. If the Guaranteed Income Benefit option has been elected on an IRA contract, additional Purchase Payments may be made until the initial Guaranteed Income Benefit is calculated. Additional Purchase Payments will not be accepted after the Periodic Income Commencement Date for a nonqualified annuity contract. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Availability. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage is available for contracts with a Contract Value of at least $50,000 and may be elected at the time of annuity application or at any time before any other Annuity Payout option under this Contract is elected by sending a completed </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage election form to our Home Office. You may elect any available version of the Guaranteed Income Benefit when you elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage or during the Access Period, if still available for election, subject to the terms and conditions at that time. You may choose not to purchase the Guaranteed Income Benefit at the time you purchase </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage by indicating that you do not want the </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit on the election form. Additionally, certain Living Benefit Riders allow a transition</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">to </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit. See </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit Transitions below. If you intend to use the Protected Income Base or the Guaranteed Amount from a previously elected Living Benefit Rider to establish the Guaranteed Income Benefit, you must elect the Guaranteed Income Benefit at the time you elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and the Guaranteed Income Benefit are available on nonqualified annuities, IRAs and Roth IRAs (check with our Home Office or your financial professional regarding availability in the SEP market).</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;"> i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage for IRA contracts is only available if the Annuitant and Secondary Life, if applicable, are age 59½ or older at the time the rider is elected. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit must be elected by age 80 on IRA contracts or age 95 on nonqualified contracts. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Advantage is not available to beneficiaries of IRA contracts. Additional limitations on issue ages and features may be necessary to comply with the IRC provisions for required minimum distributions. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit is the only version of the Guaranteed Income Benefit that is currently available, unless you are transitioning to Guaranteed Income Benefit from a Prior Rider. Beginning May 18, 2026,</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit will only be available for election at the time the Contract is issued, unless you are guaranteed the right to transition from a Prior Rider. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Access Period.</span><span style="font-family:Arial Narrow;font-size:10pt;"> The Access Period begins on the Periodic Income Commencement Date and is a defined period of time during which we pay variable, periodic Regular Income Payments and provide a Death Benefit. During this period, you may surrender the Contract and make withdrawals from your Account Value (defined below). The Lifetime Income Period begins immediately at the end of the Access Period</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and the remaining Account Value is used to make Regular Income Payments for the rest of your life (or the Secondary Life if applicable). During the Lifetime Income Period, you will no longer be able to make withdrawals, including Advisory Fee Withdrawals,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">surrenders, or receive a Death Benefit. If your Account Value is reduced to zero because of Regular Income Payments or market loss, your Access Period ends. </span><span style="font-family:Arial Narrow;font-size:10pt;">The minimum and maximum Access Periods are established at the time you elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage with or without the Guaranteed Income Benefit. The current Access Period requirements are outlined in the following chart:</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:20pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:208.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;"> </span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:210pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">Minimum Access Period</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:109.5pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">Maximum Access Period</span></div></div></td></tr> <tr style="height:41pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Advantage (without a Guaranteed Income </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Benefit) for elections on and after November 20, 2023</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">10 years</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">To age 115 for nonqualified </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">contracts; to age 100 for </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">qualified contracts</span></div></div></td></tr> <tr style="height:41pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Advantage (without a Guaranteed Income </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Benefit) for elections prior to November 20, 2023</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">5 years</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">To age 115 for nonqualified </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">contracts; to age 100 for </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">qualified contracts</span></div></div></td></tr> <tr style="height:41pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Select Guaranteed Income Benefit for elections on and </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">after August 19, 2024</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Longer of 20 years or the difference between your age </span></div> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">(nearest birthday) and age 85</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">To age 115 for nonqualified </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">contracts; to age 100 for </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">qualified contracts</span></div></div></td></tr> <tr style="height:37pt;"> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:208.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Select Guaranteed Income Benefit for elections prior to </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">August 19, 2024; or</span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Guaranteed Income Benefit (Managed Risk)</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:210pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Longer of 20 years or the difference between your age </span></div> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">(nearest birthday) and age 90</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:109.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">To age 115 for nonqualified </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">contracts; to age 100 for </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">qualified contracts</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The minimum Access Period requirements may vary if you transition to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit from another rider. See </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit Transitions below. </span><span style="font-family:Arial Narrow;font-size:10pt;">Generally, shorter Access Periods will produce a higher initial Regular Income Payment than longer Access Periods. At any time during the Access Period, you may extend or shorten the length of the Access Period subject to Home Office approval. Additional restrictions may apply if you are under age 59½ when you request a change to the Access Period. Currently, if you extend the Access Period, it must be extended at least 5 years. If you change the Access Period, subsequent Regular Income Payments will be adjusted accordingly, and the Account Value remaining at the end of the new Access Period will be applied to continue Regular Income Payments for your life. If you lengthen the Access Period, </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit will not be impacted. If you shorten the Access Period, the </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit will terminate. Currently, changes to the Access Period can only be made on Periodic Income Commencement Date anniversaries. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional limitations on issue ages and features may be necessary to comply with the IRC provisions for required minimum distributions. We may reduce or terminate the Access Period for IRA </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage contracts in order to keep the Regular Income Payments in compliance with IRC provisions for required minimum distributions. If we lower the Access Period to comply with IRC provisions, there is no impact to the Guaranteed Income Benefit. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Account Value.</span><span style="font-family:Arial Narrow;font-size:10pt;"> The initial Account Value is the Contract Value on the Valuation Date </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage is effective (or your initial Purchase Payment if </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage is purchased at contract issue), less any applicable premium taxes. During the Access Period, the Account Value on a Valuation Date will equal the total value of all of the Contractowner's Accumulation Units plus the Contractowner's value in the fixed account, and will be reduced by Regular Income Payments and Guaranteed Income Benefit payments made as well as any withdrawals taken. You will have access to your Account Value during the Access Period. After the Access Period ends, the remaining Account Value will be applied to continue Regular Income Payments for your life (and the Secondary Life under the joint life option) and the Account Value will be reduced to zero. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Credit.</span><span style="font-family:Arial Narrow;font-size:10pt;"> A quarterly </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Credit is available if you select a minimum Access Period that is the longer of 20 years or the difference between your age and age 85, and you maintain a minimum threshold value. The threshold values and applicable credit percentages are outlined in the chart below. The </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Credit is only available if you elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="font-family:Arial Narrow;font-size:10pt;">Advantage on or after November 20, 2023 (subject to state approval) and is not applied to Contracts with the Guaranteed Income Benefit.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you elect the rider at the time you purchase the Contract, the first </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit will apply three months from the contract issue date. If you elect the rider after we issue the Contract, the first </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit will apply three months from the first Regular Income Payment. Thereafter, it will apply every three months, if all conditions are met. The </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit will end at the end of the Access Period. If the Contract is terminated for any reason, including death, no further </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit will be paid. Proportionate credits will not be applied.</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-8.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;"> Advantage Death Benefits </span><span style="font-family:Arial Narrow;font-size:10pt;">When you elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage, the Death Benefit option that you previously elected will become the Death Benefit election under </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage, unless you elect a less expensive Death Benefit. Existing Contractowners with the Account Value Death Benefit, who elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage must choose the </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Account Value Death Benefit. The amount paid under the new Death Benefit may be less than the amount that would have been paid under the Death Benefit provided before </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage began (if premium taxes have been deducted from the Contract Value). </span><span style="font-family:Arial Narrow;font-size:10pt;">Subject to state approval, annual Advisory Fee Withdrawals up to 1.25% of your Contract Value within a Contract Year will not be considered a withdrawal under your Death Benefit calculation of the sum of all Purchase Payments or highest Account Value. Your Contract Value will be reduced by the amount of the withdrawal, but the value of your Death Benefit will not be negatively impacted. For Annual Advisory Fee Withdrawals that exceed 1.25% of your Contract Value within a Contract Year, the portion of the Advisory Fee Withdrawal over 1.25% will be treated as a withdrawal under this Death Benefit and reduce your guarantees. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Account Value Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Account Value Death Benefit is only available during the Access Period, but is only available if the Contract Value Death Benefit was in effect prior to the election of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage, and is equal to the Account Value as of the Valuation Date on which we approve the payment of the death claim. You may not change this Death Benefit once it is elected. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guarantee of Principal Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guarantee of Principal Death Benefit is only available during the Access Period and is equal to the greater of: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Account Value as of the Valuation Date we approve the payment of the claim; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the sum of all Purchase Payments, less the sum of Regular Income Payments and other withdrawals where: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Regular Income Payments, including withdrawals to provide the Guaranteed Income Benefit and withdrawals under a Prior Rider that are not Excess Withdrawals, reduce the Death Benefit by the dollar amount of the payment; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">all other withdrawals, if any, reduce the Death Benefit in the same proportion that withdrawals reduce the Contract Value or Account Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">References to Purchase Payments and withdrawals include Purchase Payments and withdrawals made prior to the election of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage if your Contract was in force with the Guarantee of Principal or Highest Anniversary Death Benefit prior to that election. Withdrawals that were not treated as Excess Withdrawals under a Prior Rider will reduce the Death Benefit by the dollar amount of the withdrawal.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Highest Anniversary Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Highest Anniversary Death Benefit is only available during the Access Period and is the greatest of: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Account Value as of the Valuation Date on which we approve the payment of the claim; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the sum of all Purchase Payments, less the sum of Regular Income Payments and other withdrawals where: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Regular Income Payments, including withdrawals to provide the Guaranteed Income Benefit and withdrawals under a Prior Rider that are not Excess Withdrawals, reduce the Death Benefit by the dollar amount of the payment; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">all other withdrawals, if any, reduce the Death Benefit in the same proportion that withdrawals reduce the Contract Value or Account Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">References to Purchase Payments and withdrawals include Purchase Payments and withdrawals made prior to the election of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the highest Account Value or Contract Value on any contract anniversary date (including the inception date of the Contract) after the Highest Anniversary Death Benefit is effective (determined before the allocation of any Purchase Payments on that contract anniversary) prior to the 81</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> birthday of the oldest Contractowner, joint owner (if applicable), or Annuitant for which a Death Benefit is payable and prior to the date of death. The highest Account Value or Contract Value is increased by Purchase Payments and is decreased by Regular Income Payments, including withdrawals to provide the Guaranteed Income Benefit and all other withdrawals subsequent to the anniversary date on which the highest Account Value or Contract Value is obtained. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Regular Income Payments, including withdrawals to provide the Guaranteed Income Benefit and withdrawals under a Prior Rider that are not Excess Withdrawals, reduce the Death Benefit by the dollar amount of the payment; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">all other withdrawals, if any, reduce the Death Benefit in the same proportion that withdrawals reduce the Contract Value or Account Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When determining the highest anniversary value, we will look at the Contract Value before </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage and the Account Value after the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage election to determine the highest anniversary value. We will look at such values on the contract annual anniversary date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In a declining market, withdrawals which are deducted in the same proportion that withdrawals reduce the Account Value, may have a magnified effect on the reduction of the Death Benefit payable. This is because the reduction in the benefit may be more than the dollar amount withdrawn from the Contract Value. All references to withdrawals include deductions for any applicable charges associated with those withdrawals and premium taxes, if any. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">General Death Benefit Provisions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> These Death Benefit options, are only available during the Access Period and will terminate when the Account Value equals zero, because the Access Period terminates. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">If there is a change in the Contractowner, joint owner or Annuitant during the life of the Contract, for any reason other than death, the only Death Benefit payable for the new person will be the Account Value. On a joint life option, the Secondary Life must be either the primary Beneficiary or joint owner in order to receive the remaining payments after the first life’s death. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For nonqualified contracts, upon the death of the Contractowner, joint owner or Annuitant, the Contractowner (or Beneficiary) may elect to terminate the Contract and receive full payment of the Death Benefit or may elect to continue the Contract and receive Regular Income Payments. Upon the death of the Secondary Life, who is not also an owner, only the surrender value is paid. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you are the owner of an IRA annuity contract, and there is no Secondary Life, and you die during the Access Period, the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage will terminate. A spouse Beneficiary may start a new </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage program. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If a death occurs during the Access Period, the value of the Death Benefit will be determined as of the Valuation Date we approve the payment of the claim. Approval of payment will occur upon our receipt of all the following: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">an original certified death certificate or any other proof of death satisfactory to us; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">written authorization for payment; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">all required claim forms, fully completed (including selection of a settlement option). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Notwithstanding any provision of this Contract to the contrary, the payment of Death Benefits provided under this Contract must be made in compliance with Code Section 72(s) or 401(a)(9) as applicable, as amended from time to time. Death Benefits may be taxable. See Federal Tax Matters. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Upon notification to us of the death, Regular Income Payments may be suspended until the death claim is approved by us. Upon approval, a lump sum payment for the value of any suspended payments will be made as of the date the death claim is approved, and Regular Income Payments will continue, if applicable. The excess, if any, of the Death Benefit over the Account Value will be credited into the Contract at that time. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If a lump sum settlement is elected, the proceeds will be mailed within seven days of approval by us of the claim subject to the laws, regulations and tax code governing payment of Death Benefits. This payment may be postponed as permitted by the Investment Company Act of 1940.</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-8.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;"> Advantage General Provisions </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawals.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You may request a withdrawal at any time during the Access Period. We reduce the Account Value by the amount of the withdrawal, and all subsequent Regular Income Payments and Guaranteed Income Benefit payments, if applicable, will be recalculated. The Guaranteed Income Benefit is reduced proportionately. Withdrawals may have tax consequences. See Federal Tax Matters. </span><span style="font-family:Arial Narrow;font-size:10pt;">If you purchased your Contract as part of a Fee-Based Financial Plan, you may take Advisory Fee Withdrawals of up to 1.25% of your Contract Value annually. These withdrawals will reduce the Account Value but will not trigger a recalculation. Certain states or advisory firms may not allow withdrawals to pay the fees associated with your advisory fees so please check with your financial professional. The portion of any Advisory Fee Withdrawal in excess of 1.25% of your Contract Value will reduce the Account Value and will also trigger a recalculation of the Regular Income Payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Surrender.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> At any time during the Access Period, you may surrender the Contract by withdrawing the surrender value. If the Contract is surrendered, the Contract terminates and no further Regular Income Payments will be made. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You may terminate </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage prior to the end of the Access Period by notifying us in writing. The termination will be effective on the next Valuation Date after we receive the notice. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For IRA annuity contracts, upon termination, the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage charge will end and your base contract expense will resume. Your Contract Value upon termination will be equal to the Account Value on the Valuation Date we terminate </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For nonqualified contracts, you may not terminate </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage once you have elected it. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage will terminate due to any of the following events: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the death of the Annuitant (or the later of the death of the Annuitant or Secondary Life if a joint payout was elected); or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a Contractowner requested a decrease in the Access Period or a change to the Regular Income Payment frequency; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon written notice from the Contractowner to us; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">assignment of the Contract; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">failure to comply with Investment Requirements. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A termination of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit due to a decrease in the Access Period, a change in the Regular Income Payment frequency, or upon written notice from the Contractowner will be effective as of the Valuation Date on the next Periodic Income Commencement Date anniversary. Termination will be only for the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit and not the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage election, unless otherwise specified. However, if you used the greater of the Account Value or Protected </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Income Base under a previously held Living Benefit Rider to establish the Guaranteed Income Benefit, any termination of the Guaranteed Income Benefit will also result in a termination of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage election. If you terminate the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit you may be able to re-elect it, if available, after one year. The election will be treated as a new purchase, subject to the terms and charges in effect at the time of election and the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Regular Income Payment will be recalculated. The </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage Guaranteed Income Benefit will be based on the Account Value at the time of the election.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Regular Income Payments during the Access Period.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage provides for variable, periodic Regular Income Payments for as long as an Annuitant (or Secondary Life, if applicable) is living. </span><span style="font-family:Arial Narrow;font-size:10pt;">When you elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage, you will make several choices that will impact the amount of your Regular Income Payments: </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">single or joint life option; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date you will receive the initial Regular Income Payment;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the frequency of the payments (monthly, quarterly, semi-annually or annually); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the frequency the payment is recalculated; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the assumed investment return (AIR); and </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">the date the Access Period ends and the Lifetime Income Period begins. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Some of the choices will not be available if you elect the Guaranteed Income Benefit. </span><span style="font-family:Arial Narrow;font-size:10pt;">If you do not choose a payment frequency, the default is a monthly payment frequency. You may not change your payment frequency during the Lifetime Income Period. In most states, you may also elect to have Regular Income Payments from nonqualified contracts recalculated only once each year rather than recalculated at the time of each payment. This results in level Regular Income Payments between recalculation dates. Qualified contracts are only recalculated once per year, on December 31</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="font-family:Arial Narrow;font-size:10pt;"> (if not a Valuation Date, then on the first Valuation Date of the calendar year). For nonqualified contracts, the Contractowner must elect the levelized option for Regular Income Payments if Guaranteed Income Benefit is elected.</span><span style="font-family:Arial Narrow;font-size:10pt;">AIR rates of 3% or 4% may be available for Regular Income Payments under </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage. For </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage elections prior to November 20, 2023, AIR rates of 5% and 6% were also available, but certain states had limited the availability of 5% and 6% AIR. The higher the AIR you choose, the higher your initial Regular Income Payment will be and the higher the return must be to increase subsequent Regular Income Payments. </span><span style="font-family:Arial Narrow;font-size:10pt;">A 3% AIR will be used to calculate the Regular Income Payments under: </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">Guaranteed Income Benefit (Managed Risk) elections made on or after May 18, 2020; and </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">Select Guaranteed Income Benefit elections made prior to February 19, 2019. </span><span style="font-family:Arial Narrow;font-size:10pt;">A 4% AIR will be used to calculate the Regular Income Payments under: </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">Select Guaranteed Income Benefit elections made on and after August 19, 2024; </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">Select Guaranteed Income Benefit elections made between February 19, 2019 and May 17, 2020; and </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">Elections of all other versions of Guaranteed Income Benefit made prior to May 18, 2020. </span><span style="font-family:Arial Narrow;font-size:10pt;">The AIR used to calculate the Regular Income Payments if transitioning from a Prior Rider may be different. See </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit Transitions below. </span><span style="font-family:Arial Narrow;font-size:10pt;">Regular Income Payments must begin within one year of the date you elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage and will continue until the death of the Annuitant or Secondary Life, if applicable, or surrender. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For information regarding income tax consequences of Regular Income Payments, see Federal Tax Matters. </span><span style="font-family:Arial Narrow;font-size:10pt;">The initial Regular Income Payment is calculated from the Account Value on a date no more than 14 days prior to the date you select to begin receiving Regular Income Payments. This calculation date is called the Periodic Income Commencement Date, and is the same date the Access Period begins. The amount of the initial Regular Income Payment is determined by dividing the Contract Value (or Purchase Payment if elected at contract issue), less applicable premium taxes by 1,000 and multiplying the result by an annuity factor. The annuity factor is based upon: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the age of the Annuitant and Secondary Life, if applicable; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the length of the Access Period selected; </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">the frequency of the payments; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the AIR selected; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Individual Annuity Mortality table. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The annuity factor used to determine the Regular Income Payments reflects the fact that, during the Access Period, you have the ability to withdraw the entire Account Value and that a Death Benefit will be paid to your Beneficiary upon your death. These benefits during the Access Period result in a slightly lower Regular Income Payment, during both the Access Period and the Lifetime Income Period, than would be payable if this access was not permitted and no lump-sum Death Benefit was payable. (The Contractowner must elect an Access Period of no less than the minimum Access Period which is currently set at 10 years.) The annuity factor also reflects the requirement that there be sufficient Account Value at the end of the Access Period to continue your Regular Income Payments for the remainder of your life (and/or the Secondary Life if applicable), during the Lifetime Income Period, with no further access or Death Benefit. </span><span style="font-family:Arial Narrow;font-size:10pt;">The amount of your Regular Income Payment will be impacted by the length of the Access Period you have chosen. For example, if a 70-year old makes a $100,000 initial Purchase Payment, elects monthly payments, a 4% AIR, and a 20-year Access Period, the initial Regular Income Payment will be $504.96 per month ($6,059.60 annually). Using the same assumptions, but with a 30-year Access Period, the initial Regular Income Payment will be $448.41 per month ($5,380.90 annually). This may vary by state of issue. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Account Value will vary with the actual net investment return of the Subaccounts selected and the interest credited on the fixed account, which then determines the subsequent Regular Income Payments during the Access Period. Each subsequent Regular Income Payment (unless the levelized option is selected) is determined by dividing the Account Value on the applicable Valuation Date by 1,000 and multiplying this result by an annuity factor revised to reflect the declining length of the Access Period. As a result of this calculation, the actual net returns in the Account Value are measured against the AIR to determine subsequent Regular Income Payments. If the actual net investment return (annualized) for the Contract exceeds the AIR, the Regular Income Payment will increase at a rate approximately equal to the amount of such excess. Conversely, if the actual net investment return for the Contract is less than the AIR, the Regular Income Payment will decrease. For example, if net investment return is 3% higher (annualized) than the AIR, the Regular Income Payment for the next year will increase by approximately 3%. Conversely, if actual net investment return is 3% lower than the AIR, the Regular Income Payment will decrease by approximately 3%. </span><span style="font-family:Arial Narrow;font-size:10pt;">Withdrawals made during the Access Period will also reduce the Account Value that is available for Regular Income Payments, and subsequent Regular Income Payments will be recalculated and could be increased or reduced, based on the Account Value following the withdrawal. (Advisory Fee Withdrawals that are within the Advisory Fee Withdrawal percentage will not be recalculated.) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For a joint life option, if either the Annuitant or Secondary Life dies during the Access Period, Regular Income Payments will be recalculated using a revised annuity factor based on the single surviving life, if doing so provides a higher Regular Income Payment. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">On a joint life option, the Secondary Life must be either the primary Beneficiary or joint owner in order to receive the remaining payments after the first life’s death. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For nonqualified contracts, if the Annuitant and Secondary Life, if applicable, both die during the Access Period, the Guaranteed Income Benefit (if any) will terminate and the annuity factor will be revised for a non-life contingent Regular Income Payment and Regular Income Payments will continue until the Account Value is fully paid out and the Access Period ends. For qualified contracts, if the Annuitant and Secondary Life, if applicable, both die during the Access Period, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage (and any Guaranteed Income Benefit) will terminate. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Regular Income Payments during the Lifetime Income Period.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Lifetime Income Period begins at the end of the Access Period if either the Annuitant or Secondary Life is living. Your earlier elections regarding the frequency of Regular Income Payments, AIR and the frequency of the recalculation do not change. The initial Regular Income Payment during the Lifetime Income Period is determined by dividing the Account Value on the last Valuation Date of the Access Period by 1,000 and multiplying the result by an annuity factor revised to reflect that the Access Period has ended. The annuity factor is based upon: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the age of the Annuitant and Secondary Life (if living); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the frequency of the Regular Income Payments; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the AIR selected; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Individual Annuity Mortality table. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The impact of the length of the Access Period and any withdrawals made during the Access Period will continue to be reflected in the Regular Income Payments during the Lifetime Income Period. To determine subsequent Regular Income Payments, the Contract is credited with a fixed number of Annuity Units equal to the initial Regular Income Payment (during the Lifetime Income Period) divided by the Annuity Unit value (by Subaccount). Subsequent Regular Income Payments are determined by multiplying the number of Annuity Units per Subaccount by the Annuity Unit value. Your Regular Income Payments will vary based on the value of your Annuity Units. If your Regular Income Payments are adjusted on an annual basis, the total of the annual payment is transferred to Lincoln Life's general account to be paid out based on the payment mode you selected. Your payment(s) will not be affected by market performance during that year. Your Regular Income Payment(s) for the following year will be recalculated at the beginning of the following year based on the current value of the Annuity Units. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Regular Income Payments will continue for as long as the Annuitant or Secondary Life, if applicable, is living, and will continue to be adjusted for investment performance of the Subaccounts your Annuity Units are invested in (and the fixed account if applicable). Regular Income Payments vary with investment performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">During the Lifetime Income Period, there is no longer an Account Value; therefore, no withdrawals are available and no Death Benefit is payable. In addition, transfers are not allowed from a fixed annuity payment to a variable annuity payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The amount of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit is calculated on each quarterly Valuation Date by multiplying: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the variable Account Value on that date; by </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the quarterly </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit percentage (determined by the applicable tier).</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:480pt;"> <tr style="height:9.75pt;"> <td style="vertical-align:Bottom;width:331.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:49.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.12%;margin-right:12.12%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Tier 1</span></div></div></div></td> <td style="vertical-align:Bottom;width:99pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:6.06%;margin-right:24.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Tier 2</span></div></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:331.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Minimum Threshold Value</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:49.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$500,000</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$1,000,000</span></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:331.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Credit Percentage (Annually)</span></div></div></td> <td style="vertical-align:Bottom;width:49.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.10%</span></div></div></td> <td style="vertical-align:Bottom;width:99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.20%</span></div></div></td></tr> <tr style="height:11.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:331.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Credit Percentage (Quarterly)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:49.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.025%</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.050%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you elect the rider at the time you purchase the Contract, the initial threshold value equals the initial Purchase Payment. If you elect the rider after we issue the Contract, the initial threshold value equals the Account Value on the first Regular Income Payment date. The threshold value will be increased by additional Purchase Payments (qualified contracts only), which may cause your Contract to move into a Tier 1 threshold, or to move from a Tier 1 to a Tier 2 threshold and receive the applicable credit. Conversely, additional withdrawals (exclusive of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage payments, required minimum distributions, and Advisory Fee Withdrawals that do not exceed the Advisory Fee Withdrawal percentage) will reduce your threshold value on a dollar-for-dollar basis, potentially dropping a Tier 2 contract to a Tier 1 contract, or to become ineligible for the credit. The </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit will not be applied when the minimum threshold value is not met at the time of the quarterly evaluation. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you shorten the Access Period so that it no longer meets the stated requirement, the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit will end. However, if you subsequently extend the Access Period to meet the requirement, the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit will resume if the minimum threshold value requirement is met. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit will be allocated to the Subaccounts in proportion to the Contract Value in each variable Subaccount on the quarterly Valuation Date. There is no additional charge to receive this </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit, and in no case will the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage Credit be less than zero. The amount of any </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credit received will be noted on your quarterly statement. Confirmation statements for each individual transaction will not be issued. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Credits are not considered Purchase Payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Different minimum Access Period requirements may apply if you use the greater of the Account Value or Protected Income Base (less amounts paid since the last automatic step-up) under a Prior Rider to calculate the Guaranteed Income Benefit as set forth below:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:20.5pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Bottom;width:528.00pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Minimum Access Period</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Bottom;width:176.17pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Bottom;width:175.67pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Elections of </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> Advantage prior</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">to the 5</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> Benefit Year anniversary</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Bottom;width:176.16pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Elections of </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> Advantage on and</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">after the 5</span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> Benefit Year anniversary</span></div></div></td></tr> <tr style="height:68pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:176.17pt;"> <div style="line-height:12.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-weight:bold;margin-left:0.0pt;">Purchasers of:</span></div></div> <div style="line-height:12.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-style:italic;margin-left:4.91pt;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-4pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;"> Advantage </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:11.66pt;">2.0 (Managed Risk) prior to May 18, </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:11.66pt;">2020</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:175.67pt;"> <div style="line-height:12.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">Longer of 20 years or the difference </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">between your age (nearest birthday) and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">age 90</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:176.16pt;"> <div style="line-height:12.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">Longer of 15 years or the difference </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">between your age (nearest birthday) and </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">age 85</span></div></div></td></tr> <tr style="height:71pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:176.17pt;"> <div style="line-height:12.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-weight:bold;margin-left:0.0pt;">Purchasers of:</span></div></div> <div style="line-height:12.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-style:italic;margin-left:4.91pt;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-6.5pt;">® </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:11.66pt;">elections on and after August 19, 2024</span></div></div> <div style="line-height:12.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-style:italic;margin-left:4.91pt;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;"> Select Advantage elections on </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:11.66pt;">and after August 19, 2024</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:175.67pt;"> <div style="line-height:12.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">Longer of 20 years or the difference </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">between your age (nearest birthday) and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">age 85</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:176.16pt;"> <div style="line-height:12.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">Longer of 20 years or the difference </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">between your age (nearest birthday) and </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">age 85</span></div></div></td></tr> <tr style="height:134pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:176.17pt;"> <div style="line-height:11.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-weight:bold;margin-left:0.0pt;">Purchasers of:</span></div></div> <div style="line-height:11.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-style:italic;margin-left:4.91pt;">Lincoln ProtectedPay Secure Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.5pt;">®</span> <div style="clear:right;"> </div></div></div> <div style="line-height:11.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-style:italic;margin-left:4.91pt;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.5pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:11.66pt;">elections prior to August 19, 2024</span></div></div> <div style="line-height:11.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-style:italic;margin-left:4.91pt;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-4pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;"> Advantage </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:11.66pt;">2.0 (Managed Risk) on or after May 18, </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:11.66pt;">2020</span></div></div> <div style="line-height:11.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:4.91pt;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-style:italic;margin-left:0.0pt;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;"> Advantage</span></div></div> <div style="line-height:11.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;font-style:italic;margin-left:4.91pt;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;"> Select Advantage elections </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:11.66pt;">prior to August 19, 2024</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:175.67pt;"> <div style="line-height:11.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">Longer of 20 years or the difference </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">between your age (nearest birthday) and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">age 90</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:176.16pt;"> <div style="line-height:11.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">Longer of 20 years or the difference </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">between your age (nearest birthday) and </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9.5pt;margin-left:0.0pt;">age 90</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A 3% AIR will be used to calculate the Regular Income Payments under: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">transitions to Guaranteed Income Benefit (Managed Risk) from a Prior Rider purchased on or after May 18, 2020; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">transitions to Select Guaranteed Income Benefit from a Prior Rider purchased prior to August 19, 2024. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A 4% AIR will be used to calculate the Regular Income Payments under: </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">transitions to Guaranteed Income Benefit (Managed Risk) from a Prior Rider purchased prior to May 18, 2020; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">transitions to Select Guaranteed Income Benefit from a Prior Rider purchased on and after August 19, 2024; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">all other transitions. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When deciding whether to transition from your Prior Rider to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit, you should consider that depending on your age (and the age of your Secondary Life under the joint life option) and the selected length of the Access Period, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage may provide a higher payout than the Protected Annual Income amounts from your Prior Rider. You should consider electing </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage when you are ready to immediately start receiving </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage payments, whereas with your Prior Rider, you may defer taking withdrawals until a later date. Payments from a nonqualified contract that a person receives under the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage rider are treated as “amounts received as an annuity” under section 72 of the Internal Revenue Code because the payments occur after the annuity starting date. These payments are subject to an “exclusion ratio” as provided in section 72(b) of the Code, which means a portion of each Annuity Payout is treated as income (taxable at ordinary income rates), and the remainder is treated as a nontaxable return of Purchase Payments. In contrast, withdrawals under your Prior Rider are not treated as amounts received as an annuity because they occur prior to the annuity starting date. As a result, such withdrawals are treated first as a return of any existing gain in the Contract (which is the measure of the extent to which the Contract Value exceeds Purchase Payments), and then as a nontaxable return of Purchase Payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">In a declining market, withdrawals which are deducted in the same proportion that withdrawals reduce the Contract Value or Account Value, may have a magnified effect on the reduction of the Death Benefit payable. This is because the reduction in the benefit may be more than the dollar amount withdrawn from the Contract Value. All references to withdrawals include deductions for any applicable charges associated with those withdrawals and premium taxes, if any. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following example demonstrates the impact of a proportionate withdrawal on your Death Benefit:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:32.24pt;width:463.53pt;"> <tr style="height:12.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage Guarantee of Principal Death Benefit</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td> <td style="vertical-align:Top;width:149.03pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Regular Income Payment</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">25,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:149.03pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value at the time of additional withdrawal</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">150,000</span></div></div></div></td> <td style="vertical-align:Top;width:149.03pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Additional withdrawal</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">15,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:149.03pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">($15,000/$150,000=10% withdrawal)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"> </div></div></div></td> <td style="vertical-align:Top;width:149.03pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="background-color:azure;vertical-align:Bottom;width:463.53pt;"> <div style="line-height:12pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Death Benefit Value after Regular Income Payment = $200,000 - $25,000 = $175,000</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="vertical-align:Bottom;width:463.53pt;"> <div style="line-height:12pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Reduction in Death Benefit value for withdrawal = $175,000 x 10% = $17,500</span></div></div></td></tr> <tr style="height:23.5pt;"> <td colspan="3" style="background-color:azure;vertical-align:Bottom;width:463.53pt;"> <div style="line-height:12pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Death Benefit Value after additional withdrawal = $175,000 - $17,500 = $157,500</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Regular Income Payment reduced the Death Benefit by $25,000 and the additional withdrawal caused a 10% reduction in the Death Benefit, the same percentage that the withdrawal reduced the Account Value. You may not change this Death Benefit once it is elected.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following example demonstrates the impact of a withdrawal on the Guaranteed Income Benefit payments:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:67.65pt;width:392.69pt;"> <tr style="height:12.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Regular Income Payment before additional withdrawal</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">1,200</span></div></div></div></td> <td style="vertical-align:Top;width:78.19pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed Income Benefit before additional withdrawal</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">900</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:78.19pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value at time of additional withdrawal</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">150,000</span></div></div></div></td> <td style="vertical-align:Top;width:78.19pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Additional withdrawal</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">15,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:78.19pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(a 10% withdrawal)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"> </div></div></div></td> <td style="vertical-align:Top;width:78.19pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="background-color:azure;vertical-align:Bottom;width:392.69pt;"> <div style="line-height:12pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Reduction in Guaranteed Income Benefit for additional withdrawal = $900 x 10% = $90</span></div></div></td></tr> <tr style="height:23.5pt;"> <td colspan="3" style="vertical-align:Bottom;width:392.69pt;"> <div style="line-height:12pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed Income Benefit after additional withdrawal = $900 - $90 = $810</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Guaranteed Income Benefit </span><span style="font-family:Arial Narrow;font-size:10pt;">The Guaranteed Income Benefit is an optional benefit that is available for an additional charge. It provides that your Regular Income Payments will never be less than a minimum payout floor, regardless of the actual investment performance of your Contract. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Advantage Select Guaranteed Income Benefit is the only version of the Guaranteed Income Benefit that is currently available, unless you are transitioning to Guaranteed Income Benefit from a Prior Rider.</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Beginning May 18, 2026,</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit will only be available for election at the time the Contract is issued, unless you are guaranteed the right to transition from a Prior Rider. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">You</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">will be required to adhere to Investment Requirements, which will limit your ability to invest in certain Subaccounts offered in your Contract. In addition, the fixed account is not available at this time. See Appendix B – Investment Requirements for more information. </span><span style="font-family:Arial Narrow;font-size:10pt;">You will be subject to those Investment Requirements for the entire time you own the rider. Failure to comply with the Investment Requirements will result in the termination of the rider. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">There is no guarantee that any version of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guaranteed Income Benefit will be available to elect in the future, as we reserve the right to discontinue this option at any time. In addition, we may make different versions of the Guaranteed Income Benefit available to new purchasers or may create different versions for use with various Living Benefit Riders.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> However, certain Living Benefit Riders may guarantee a Contractowner the right to transition from that Prior Rider to a version of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage Guaranteed Income Benefit that may no longer be offered. The transition rules are set forth below. </span><span style="font-family:Arial Narrow;font-size:10pt;">In certain states the total annual</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Guaranteed Income Benefit</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">that would otherwise be payable may be subject to a maximum amount. Please refer</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">to your Contract or contact your registered representative for more information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Guaranteed Income Benefit General Provisions </span><span style="font-family:Arial Narrow;font-size:10pt;">For all versions of the Guaranteed Income Benefit, if the amount of your </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Regular Income Payment has fallen below the Guaranteed Income Benefit, because of poor investment results, a payment equal to the </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit is the minimum payment you will receive. If the market performance in your Contract is sufficient to provide Regular Income Payments at a level that exceeds the Guaranteed Income Benefit, the Guaranteed Income Benefit will never come into effect. If the Guaranteed Income Benefit is paid, it will be paid with the same frequency as your Regular Income Payment. If your Regular Income Payment is less than the Guaranteed Income Benefit, we will reduce the Account Value by the Regular Income Payment plus an additional amount equal to the difference between your Regular Income Payment and the Guaranteed Income Benefit (in other words, Guaranteed Income Benefit payments reduce the Account Value by the entire amount of the Guaranteed Income Benefit payment). This payment will be made from the variable Subaccounts and the fixed account proportionately, according to your investment allocations.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">If your Account Value reaches zero as a result of payments to provide the Guaranteed Income Benefit, we will continue to pay you an amount equal to the Guaranteed Income Benefit. If your Account Value reaches zero, your Access Period will end and your Lifetime Income Period will begin. Additional amounts withdrawn from the Account Value to provide the Guaranteed Income Benefit may terminate your Access Period earlier than originally scheduled, and will reduce your Death Benefit. If your Account Value equals zero, no Death Benefit will be paid. See </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Death Benefits below. After the Access Period ends, we will continue to pay the Guaranteed Income Benefit for as long as the Annuitant (or the Secondary Life, if applicable) is living. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following example illustrates how poor investment performance, which results in a Guaranteed Income Benefit payment, affects the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Account Value:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:107.25pt;width:313.5pt;"> <tr style="height:12.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Account Value before market decline</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">135,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Account Value after market decline</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly Guaranteed Income Benefit</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">810</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly Regular Income Payment after market decline</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">769</span></div></div></div></td></tr> <tr style="height:23.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value after market decline and Guaranteed Income Benefit </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">payment</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">99,190</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Contractowner receives an amount equal to the Guaranteed Income Benefit. The entire amount of the Guaranteed Income Benefit is deducted from the Account Value. </span><span style="font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Guaranteed Income Benefit Step-ups </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Select Guaranteed Income Benefit and Guaranteed Income Benefit (Managed Risk). </span><span style="font-family:Arial Narrow;font-size:10pt;">For elections of Select Guaranteed Income Benefit on and after August 19, 2024, the Guaranteed Income Benefit will automatically step up every year to 65% of the current Regular Income Payment, if that result is greater than the immediately prior Guaranteed Income Benefit. For elections of Select Guaranteed Income Benefit prior to August 19, 2024, and all Guaranteed Income Benefit (Managed Risk) elections, the Guaranteed Income Benefit will automatically step up every year to 75% of the current Regular Income Payment, if that result is greater than the immediately prior Guaranteed Income Benefit. For nonqualified contracts, the step-up will occur annually on the first Valuation Date on or after each Periodic Income Commencement Date anniversary starting on the first Periodic Income Commencement Date anniversary. For qualified contracts, the step-up will occur annually on the first Valuation Date of the first periodic income payment of each calendar year. </span><span style="font-family:Arial Narrow;font-size:10pt;">The following example illustrates how the initial Guaranteed Income Benefit is calculated for a Contractowner with a nonqualified contract, and how a step-up would increase the Guaranteed Income Benefit in a subsequent year. The example assumes a 4% percentage was used to calculate the Guaranteed Income Benefit, and that the Account Value has increased due to positive investment returns resulting in a higher recalculated Regular Income Payment. See “Regular Income Payments during the Access Period”</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">in this prospectus</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">for a discussion of recalculation of the Regular Income Payment.</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:12.5pt;"> <td style="vertical-align:Top;width:484.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">8/1/2026 Amount of initial Regular Income Payment</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">4,801</span></div></div></div></td></tr> <tr style="height:14pt;"> <td style="background-color:azure;vertical-align:Top;width:484.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">8/1/2026 Account Value at election of Guaranteed Income Benefit</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td></tr> <tr style="height:14pt;"> <td style="vertical-align:Top;width:484.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">8/1/2026 Initial Guaranteed Income Benefit (4% x $100,000 Account Value)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">4,000</span></div></div></div></td></tr> <tr style="height:14pt;"> <td style="background-color:azure;vertical-align:Top;width:484.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">8/1/2027 Recalculated Regular Income Payment</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">6,500</span></div></div></div></td></tr> <tr style="height:12.5pt;"> <td style="vertical-align:Top;width:484.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">8/1/2027 Guaranteed Income Benefit after step-up (65% of $6,500)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">4,225</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Guaranteed Income Benefit was increased to 65% of the recalculated Regular Income Payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-8.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;"> Advantage Guaranteed Income Benefit Transitions </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Certain Living Benefit Riders (“Prior Rider”) allow you to transition to the applicable version of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:20pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:264pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">If your Prior Rider is...</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Middle;width:264pt;"> <div style="line-height:8pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">you will transition to…</span></div></div></td></tr> <tr style="height:44pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:264pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:5.52pt;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> elections on and after August 19, </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">2024</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:5.27pt;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Select Advantage elections on and after August 19, 2024</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:264pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Select Guaranteed Income Benefit (available on and after August 19, </span></div> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">2024)</span></div></div></td></tr> <tr style="height:58pt;"> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:264pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:5.27pt;">Lincoln ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> elections prior to August 19, </span></div> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:11.66pt;">2024</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:5.27pt;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:0.0pt;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Advantage</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:5.27pt;">4LATER</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Select Advantage elections prior to August 19, 2024</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:264pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Select Guaranteed Income Benefit (available prior to August 19, 2024)</span></div></div></td></tr> <tr style="height:29pt;"> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:264pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:5.27pt;">Lincoln ProtectedPay Secure Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-6.25pt;">®</span> <div style="clear:right;"> </div></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;margin-left:5.27pt;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Advantage 2.0 (Managed Risk)</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:264pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Guaranteed Income Benefit (Managed Risk)</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following discussion applies to all of these transitions. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you have elected one of the Prior Riders listed above, you are guaranteed the right to transition to the applicable version of the Guaranteed Income Benefit even if that version is no longer available for purchase. You are also guaranteed that the Guaranteed Income Benefit percentage and Access Period requirements will be at least as favorable as those in effect at the time you purchased your Prior Rider. The Investment Requirements under your Prior Rider continue to apply after you transition to the Guaranteed Income Benefit. See Appendix B – Investment Requirements for a description of these investment requirements. The initial Guaranteed Income Benefit will be an amount equal to a specified percentage of the greater of your Account Value or Protected Income Base, based on your age (or the younger life under a joint life option) at the time of the first Regular Income Payment. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Your decision to transition to the Guaranteed Income Benefit must be made prior to the Annuity Commencement Date, and by the maximum age to elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit, which is age 95 for nonqualified contracts and age 80 for qualified contracts. Purchasers of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk) (purchased prior to May 18, 2020) who have waited until after the fifth Benefit Year anniversary may elect the appropriate version of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit until age 99 for nonqualified contracts and age 85 for qualified contracts. </span><span style="font-family:Arial Narrow;font-size:10pt;">If you have the single life option under your Prior Rider, you must transition to the single life option under </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit; joint life option must transition to the joint life option. The minimum Access Period requirements may vary based on which Prior Rider you elected, and are specifically listed in the chart below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit is in effect, the Contractowner cannot change the payment mode elected or decrease the length of the Access Period.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Income Benefit Amount. </span><span style="font-family:Arial Narrow;font-size:10pt;">The Guaranteed Income Benefit will be based on A, or, if transitioning from a Prior Rider, the greater of A and B: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Account Value immediately prior to electing Guaranteed Income Benefit; or </span><span style="font-family:Arial Narrow;font-size:10pt;">B.</span><span style="font-family:Arial Narrow;font-size:10pt;">the Protected Income Base under the Prior Rider reduced by all Protected Annual Income payments since the last Account Value Step-up (or inception date if no step-ups have occurred). (Advisory Fee Withdrawals that are within the Advisory Fee Withdrawal percentage will not reduce the Protected Income Base.) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The initial Guaranteed Income Benefit will be an amount equal to a specified percentage of the above, based on your age (or the age of the younger life under a joint life option) at the time the Guaranteed Income Benefit is elected or, if transitioning from a Prior Rider, the date of the first Regular Income Payment. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following is an example of how the Guaranteed Amount or the Protected Income Base from another Living Benefit Rider may be used to calculate the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit. The example assumes that a 4.5% Guaranteed Income Benefit percentage is used to calculate the initial Guaranteed Income Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:106.25pt;width:315.5pt;"> <tr style="height:24.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value (equals Contract Value on the date </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Advantage Guaranteed Income Benefit is elected)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">100,000</span></div></div></div></td> <td style="vertical-align:Top;width:1pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base on the date </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1.0pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Advantage Guaranteed </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Income Benefit is elected:</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">140,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:1pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Regular Income Payment</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">5,411</span></div></div></div></td> <td style="vertical-align:Top;width:1pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:23.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Guaranteed Income Benefit (4.5% x $140,000 Protected </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Income Base which is greater than $100,000 Account Value)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:1pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="font-family:Arial Narrow;font-size:10pt;width:39.5pt;">6,300</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:1pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Income Benefit Percentages and Age-Bands. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The specific percentages and applicable age-bands for calculating the initial Guaranteed Income Benefit are discussed below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The initial Guaranteed Income Benefit percentages applicable to new rider elections are determined in our sole discretion based on current economic factors including interest rates and equity market volatility. Generally, the percentages may increase or decrease based on changes in equity market volatility, prevailing interest rates, or as a result of other economic conditions. This percentage structure is intended to help us provide the guarantees under the rider. The initial Guaranteed Income Benefit percentages for new rider elections may be higher or lower than prior percentages, but for existing Contractowners that have elected the rider, your Guaranteed Income Benefit percentages will not change as a result. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Select Guaranteed Income Benefit.</span><span style="font-family:Arial Narrow;font-size:10pt;"> The initial Guaranteed Income Benefit percentages applicable to new rider elections, including transitions from a Prior Rider are set forth in a supplement to this prospectus, called a Rate Sheet. The Rate Sheet indicates the Guaranteed Income Benefit percentages, its effective period, and the date by which your application or rider election form must be signed and dated for a Contract to be issued with those percentages. The percentages may change periodically,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">at our sole discretion, and may be higher or lower than the percentages on the previous Rate Sheet. </span><span style="font-family:Arial Narrow;font-size:10pt;">The Guaranteed Income Benefit percentages in the Rate Sheet can be superseded. The effective date of a subsequent Rate Sheet will be at least 10 days after it is filed. In order to get the percentage indicated in a Rate Sheet,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">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 financial professional, online at www.lfg.com/VAprospectus or by calling us at 1-877-534-8255. Guaranteed Income Benefit percentages for previous effective periods are included in an Appendix to this prospectus. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Income Benefit (Managed Risk). </span><span style="font-family:Arial Narrow;font-size:10pt;">The specified percentages and the corresponding age-bands for calculating the Guaranteed Income Benefit under Guaranteed Income Benefit (Managed Risk) are outlined in an Appendix to this prospectus. Guaranteed Income Benefit (Managed Risk) is only available for purchase if you are guaranteed the right to elect a prior version under a Prior Rider.</span> <br/> <span style="color:#000000;font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Fixed Side of the Contract </span><span style="font-family:Arial Narrow;font-size:10pt;">Information regarding the features of the fixed account, if available, including (i) its name and (ii) its minimum guaranteed interest rate, is available in Appendix A – Investment Options Available Under the Contract. </span><span style="font-family:Arial Narrow;font-size:10pt;">You may allocate Purchase Payments to the fixed side of the contract, if available. Allocations made to the fixed side of the contract are added to your Contract Value. Certain charges related to the Contract and the charges for the Living Benefit Riders are deducted from your Contract Value. Therefore, a portion of those charges may be deducted from the fixed account. See the Charges,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and Adjustments section of this prospectus for more information. Since amounts in the fixed account make up part of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">your Contract Value, those amounts may be used to calculate benefits under the Living Benefit Riders. See the Living Benefit Riders section in this prospectus for more information. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Purchase Payments and Contract Value allocated to the fixed side of the contract become part of our general account, and do not participate in the investment experience of the VAA. The general account is subject to regulation and supervision by the Indiana Department of Insurance as well as the insurance laws and regulations of the jurisdictions in which the contracts are distributed. </span><span style="font-family:Arial Narrow;font-size:10pt;">In reliance on certain exemptions, exclusions and rules, we have not registered interests in the general account as a security under the Securities Act of 1933 and have not registered the general account as an investment company under the 1940 Act. Accordingly, neither the general account nor any interests in it are regulated under the 1933 Act or the 1940 Act. Disclosures in this prospectus about the general account, however, are subject to certain provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We guarantee an annual effective interest rate of not less than 1.50% per year on amounts held in a fixed account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">ANY INTEREST IN EXCESS OF 1.50% (OR THE GUARANTEED MINIMUM INTEREST RATE STATED IN YOUR CONTRACT) WILL BE DECLARED IN ADVANCE AT OUR SOLE DISCRETION. CONTRACTOWNERS BEAR THE RISK THAT NO INTEREST IN EXCESS OF THE MINIMUM INTEREST RATE WILL BE DECLARED. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Your Contract may not offer a fixed account or if permitted by your Contract, we may discontinue accepting Purchase Payments or transfers into the fixed side of the contract at any time. The fixed account is not available at this time. Please contact your financial professional for further information.</span> <span style="font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Appendix A — Investment Options Available Under The Contract</span><span style="font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Variable Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. Current performance of the Subaccounts can be found at www.lfg.com/VAprospectus. More information about the funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.lfg.com/VAprospectus. You can also request this information and current fund performance at no cost by calling 1-877-534-8255 or by sending an email request to CustServSupportTeam@lfg.com. </span><span style="font-family:Arial Narrow;font-size:10pt;">The current expenses and performance information below reflect 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.</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">AB VPS Discovery Value Portfolio - Class A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.82%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.89%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.75%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.55%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The balanced accomplishment of three </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">objectives: long-term growth of capital, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">conservation of principal and current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS American Funds </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Global Balanced Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.76%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.21%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.12%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide current income and preservation </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS American Funds </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Mortgage Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.56%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a high level of current income; </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation is the secondary </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS American High-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Trust - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.62%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.19%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total return (including income and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital gains) consistent with preservation </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital over the long term.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Asset Allocation Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.86%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.97%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a level of current income that </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exceeds the average yield on U.S. stocks </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">generally and a growing stream of income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">over the years.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Capital Income Builder </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.52%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">20.42%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.09%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a high level of total return </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with prudent investment </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Capital World Bond </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-2.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital while providing </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Capital World Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and Income Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.66%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">24.79%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.28%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Global Growth Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.65%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">21.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Global Small </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capitalization Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.90%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.63%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.49%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Growth Fund - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.58%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">20.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.37%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital and income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Growth-Income Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.53%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.06%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.90%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS International Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">26.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.40%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital while providing </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS International Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and Income Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">35.35%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide high total return (including </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and capital gains) consistent with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital over the long term </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">while seeking to manage volatility and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">provide downside protection. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk Asset </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Class P1</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.65%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.01%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.71%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.44%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide growth of capital while seeking </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to manage volatility and provide downside </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">protection. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class P1</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.22%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.03%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To achieve long-term growth of capital and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income while seeking to manage volatility </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and provide downside protection. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth-Income Fund - Class P1</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.97%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.26%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide long-term growth of capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">while seeking to manage volatility and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">provide downside protection. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Fund - Class P1</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.81%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.33%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.04%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.23%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To produce income and to provide an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">opportunity for growth of principal </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with sound common stock </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investing while seeking to manage volatility </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and provide downside protection. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Washington Mutual Investors Fund - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">P1</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.95%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.32%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.50%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS New World Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.82%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">28.27%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.32%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide as high a level of current income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">as is consistent with the preservation of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS The Bond Fund of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">America - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.47%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.14%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a high level of current income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with prudent investment risk and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS U.S. Government </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Securities Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.80%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.24%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To produce income and to provide an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">opportunity for growth of principal </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with sound common stock </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investing.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Washington Mutual </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investors Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.21%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.88%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Mid Cap Portfolio - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.82%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.35%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.50%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Class A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas, Inc.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.93%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.29%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.89%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income and capital growth consistent with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reasonable risk.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Balanced Portfolio - Initial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.41%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.25%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.52%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.13%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total return. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP FundsManager</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> 50% </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Investor Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.13%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.24%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio - Initial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available on or about May </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">18, 2026. Please consult your financial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">professional.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.55%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.75%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.59%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust Capital Strength Hedged Equity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Class I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-2.26%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust Capital Strength Portfolio - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.70%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust Growth Strength Portfolio - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.20%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.75%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust International Developed Capital </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Strength Portfolio - Class I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.20%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">19.53%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide total return by allocating among </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">dividend-paying stocks and investment </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">grade bonds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust/Dow Jones Dividend &amp; Income </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class I</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">5</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.18%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.30%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.68%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balance of growth of capital and income. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Franklin Multi-Asset Variable Conservative </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth - Class I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.76%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.69%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.70%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To achieve a high level of total return on its </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assets through a combination of capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation and current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Invesco V.I. Equally-Weighted S&amp;P 500 </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Series I Shares</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund is not available in contracts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">issued on or after August 19, 2024.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.34%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.39%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Series I Shares</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.90%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.22%</span></div></div></div></td></tr> <tr style="height:39.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged Nasdaq-100 Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.85%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.84%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 Conservative </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.90%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Opportunistic Hedged Equity Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.71%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Balanced Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.57%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.47%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.23%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth and current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income by investing approximately 60% of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">its assets in equity securities and the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">remainder in bonds and other fixed-income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">securities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Balanced Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.77%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.03%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Capital Appreciation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.79%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.47%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term total return using a strategy that </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">seeks to protect against U.S. inflation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Inflation Protection </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.47%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.60%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.87%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.87%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century International Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.95%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.42%</span></div></div></div></td></tr> <tr style="height:125pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth, income is </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Large Company </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Fund - Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will not be available in contracts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">issued on or after May 18, 2026. This fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">will be reorganzied to merge into the LVIP </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Value Fund on or about </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">June 5, 2026, subject to shareholders </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">approval.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.40%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.01%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.51%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth, income is </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary consideration.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Mid Cap Value Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.86%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.99%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.89%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.12%</span></div></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Ultra</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.65%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.95%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth; income is a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary consideration.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.71%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.02%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.65%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.23%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Funds Vanguard Active </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Passive Growth Fund - Service Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.02%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Growth Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.11%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.92%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income with some </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Income Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.57%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.70%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.42%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth; income is a secondary </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Avantis Large Cap Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP American Century </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Disciplined Core Value Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.71%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.86%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.39%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Baron Growth Opportunities Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.90%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-9.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.08%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.06%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total investment return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Global Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.71%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize real return, consistent with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of real capital and prudent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Inflation Protected Bond </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.76%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.61%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.01%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Channing Small Cap Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.88%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.94%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:87.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Appreciation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available on or about May </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">18, 2026. Please consult your financial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">professional.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.50%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.72%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.34%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation; current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and income growth is a secondary </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Dividend Strategy Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available on or about May </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">18, 2026. Please consult your financial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">professional.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.75%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.86%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.46%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Large Cap Growth Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly ClearBridge Variable Large Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Growth Portfolio)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.74%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.46%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital; current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income is a secondary objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Large Cap Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available on or about May </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">18, 2026. Please consult your financial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">professional.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.20%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.11%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.01%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional International Core Equity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.62%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">35.26%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.65%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.43%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional International Equity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Volatility Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.75%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">35.09%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.09%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.16%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. Core Equity 1 Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.39%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.14%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.67%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. Core Equity 2 Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.38%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.83%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.99%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. Equity Managed </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Volatility Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.62%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.02%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.39%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum long-term total return consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with reasonable risk.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Fidelity Institutional AM</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Total Bond </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.51%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.34%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.54%</span></div></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum current income (yield) consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with a prudent investment strategy.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Core Bond Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.25%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.44%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.24%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Emerging Markets Equity Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.46%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">34.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.89%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Equity Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.40%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">35.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.40%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor Large </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Equity Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.36%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.69%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.18%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.54%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor SMID </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Equity Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.69%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.21%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Aggressive Growth Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.84%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.94%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.29%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income with some </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Conservative Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.79%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.39%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.90%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Growth Allocation Managed </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Risk Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.79%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.20%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Moderate Allocation Managed </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Risk Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.52%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.70%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.65%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income while maintaining a stable </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">value of the investors' shares and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preserving the value of the investors' initial </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Government Money Market Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.38%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.97%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.87%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize total return by investing </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">primarily in a diversified portfolio of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">intermediate- and long-term debt securities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Core Bond Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.46%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.40%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.04%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.11%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income; capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation is the secondary objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan High Yield Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.67%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.82%</span></div></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation with the secondary goal </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of achieving current income by investing in </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">equity securities.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Mid Cap Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.74%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.72%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.63%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.77%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income and some capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Retirement Income Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.39%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.54%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum total return, consistent with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reasonable risk.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Short Duration Bond Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.47%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.19%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.87%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.33%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth over the long term.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Small Cap Core Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.77%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.27%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.40%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.95%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan U.S. Equity Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.69%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.84%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation as measured </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">by the change in the value of fund shares </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">over a period of three years or longer.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Mondrian International Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.74%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">36.38%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.90%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Nomura Diversified Floating Rate Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.64%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.76%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.35%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.77%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return and, as a secondary objective, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">high current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Nomura High Yield Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.26%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.88%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Nomura SMID Cap Core Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.65%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To seek a high level of current income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with preservation of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP PIMCO Low Duration Bond Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.60%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.47%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.91%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.24%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To match as closely as practicable, before </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees and expenses, the performance of the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bloomberg U.S. Aggregate Index.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Bond Index Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Bond Index Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.80%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.67%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with some </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Conservative Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Conservative Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Allocation Fund)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.80%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.71%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.57%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide investment results that, before </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees and expenses, correspond generally to </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the total return of the MSCI Emerging </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Index that tracks performance of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emerging market equity securities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Emerging Markets Equity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Emerging Markets </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Equity Index Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">33.48%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.41%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Global Tactical Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Volatility Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Global Tactical </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Allocation Managed Volatility Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.61%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.37%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.61%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.63%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the performance </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of a broad market index of non-U.S. foreign </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">securities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street International Index Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA International Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.38%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">31.18%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.00%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the performance </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the S&amp;P MidCap 400</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index that </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasizes stocks of mid-sized U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Mid-Cap Index Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Mid-Cap Index Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.35%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.13%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.74%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.34%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Moderate Index Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Moderate Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Allocation Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.64%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.43%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Moderately Aggressive </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Allocation Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Moderately </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Aggressive Index Allocation Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.43%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.18%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the total rate of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">return of common stocks publicly traded in </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the United States, as represented by the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">S&amp;P 500 Index.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street S&amp;P 500 Index Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA S&amp;P 500 Index Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.23%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.60%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.55%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide investment results that, before </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees and expenses, correspond generally to </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the price and yield performance of an index </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">that tracks the short-term U.S. corporate </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">bond market.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Short-Term Bond Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Short-Term Bond </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Index Fund)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.36%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.52%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.25%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the performance </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Russell 2000</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index, which </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasizes stocks of small U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Small-Cap Index Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Small-Cap Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.38%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.46%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.18%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with some </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Conservative Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.61%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Moderate Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.28%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.59%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Moderately Aggressive </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">19.33%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.27%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.32%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP U.S. Aggressive Growth Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.84%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.21%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.17%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High level of current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with an emphasis on growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP U.S. Growth Allocation Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.81%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.63%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return consistent with the preservation </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Bond Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.36%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.33%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.54%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Domestic Equity ETF Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.30%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.47%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.79%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard International Equity ETF </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.32%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">31.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.29%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.14%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Total Return Series - Initial Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.61%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.42%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.63%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To seek to provide total return through a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">combination of high current income and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Nomura VIP High Income Series - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.41%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:27.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth of capital.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Nomura VIP Mid Cap Growth Series - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.85%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.38%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.16%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balanced investment composed of a well-</span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">diversified portfolio of stocks and bonds </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">which produce both capital growth and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT George Putnam Balanced Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class IA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.11%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.44%</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth and current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT Large Cap Value Fund - Class IA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">20.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.58%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable Future Fund - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">IA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.87%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.44%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.88%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable Leaders Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class IA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.99%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.98%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income and capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Balanced ETF Portfolio - Service </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class Shares</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.58%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.47%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:63.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Moderate ETF Portfolio - Service </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class Shares</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark Advisers, Inc.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Moderate Growth ETF </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Portfolio)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.11%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.88%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">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.</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">3</span><span style="font-family:Arial Narrow;font-size:8pt;">The Index to which this fund is managed to is a product of S&amp;P Dow Jones Indices LLC (SPDJI) and has been licensed for use by one or more of the portfolio’s service providers (licensee). Standard &amp; Poor’s</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">, S&amp;P</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">, S&amp;P GSCI</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> and S&amp;P 500</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> are registered trademarks of S&amp;P Global, Inc. or its affiliates (S&amp;P) and Dow Jones</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones). The trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by the licensee. The licensee’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&amp;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 liability for any errors, omissions, or interruptions of the Index. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">4</span><span style="font-family:Arial Narrow;font-size:8pt;">“Standard &amp; Poor’s</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">,” “S&amp;P</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">,” “Standard &amp; Poor’s Equal Weight Index,” “S&amp;P EWI,” “S&amp;P 500</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">,” “Standard &amp; 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&amp;P 500 Fund. The fund is not sponsored, endorsed, sold or promoted by S&amp;P, and S&amp;P makes no representation regarding the advisability of investing in the fund. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">5</span><span style="font-family:Arial Narrow;font-size:8pt;">Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The trademark has been licensed to S&amp;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 &amp; Poor's and Standard &amp; Poor's makes no representation regarding the advisability of purchasing the product. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">6</span><span style="font-family:Arial Narrow;font-size:8pt;">The Nasdaq-100 Index</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> based on market capitalization. NASDAQ</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">, and Nasdaq-100 Index</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by The Lincoln National Life Insurance Company. The fund is not sponsored, endorsed, sold or promoted by NASDAQ, and NASDAQ makes no representation regarding the advisability of purchasing the fund.</span><span style="font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Fixed Options </span><span style="font-family:Arial Narrow;font-size:10pt;">The Contract offers no fixed account options at this time. </span> <span style="font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Variable Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. Current performance of the Subaccounts can be found at www.lfg.com/VAprospectus. More information about the funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.lfg.com/VAprospectus. You can also request this information and current fund performance at no cost by calling 1-877-534-8255 or by sending an email request to CustServSupportTeam@lfg.com. </span><span style="font-family:Arial Narrow;font-size:10pt;">The current expenses and performance information below reflect 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.</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">AB VPS Discovery Value Portfolio - Class A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.82%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.89%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.75%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.55%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The balanced accomplishment of three </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">objectives: long-term growth of capital, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">conservation of principal and current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS American Funds </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Global Balanced Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.76%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.21%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.12%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide current income and preservation </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS American Funds </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Mortgage Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.56%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a high level of current income; </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation is the secondary </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS American High-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Trust - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.62%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.19%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total return (including income and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital gains) consistent with preservation </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital over the long term.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Asset Allocation Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.86%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.97%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a level of current income that </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exceeds the average yield on U.S. stocks </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">generally and a growing stream of income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">over the years.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Capital Income Builder </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.52%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">20.42%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.09%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a high level of total return </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with prudent investment </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Capital World Bond </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-2.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital while providing </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Capital World Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and Income Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.66%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">24.79%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.28%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Global Growth Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.65%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">21.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Global Small </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capitalization Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.90%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.63%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.49%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Growth Fund - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.58%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">20.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.37%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital and income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Growth-Income Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.53%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.06%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.90%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS International Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">26.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.40%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital while providing </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS International Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and Income Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">35.35%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide high total return (including </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and capital gains) consistent with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital over the long term </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">while seeking to manage volatility and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">provide downside protection. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk Asset </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Class P1</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.65%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.01%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.71%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.44%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide growth of capital while seeking </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to manage volatility and provide downside </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">protection. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class P1</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.22%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.03%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To achieve long-term growth of capital and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income while seeking to manage volatility </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and provide downside protection. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth-Income Fund - Class P1</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.97%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.26%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide long-term growth of capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">while seeking to manage volatility and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">provide downside protection. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Fund - Class P1</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.81%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.33%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.04%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.23%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To produce income and to provide an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">opportunity for growth of principal </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with sound common stock </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investing while seeking to manage volatility </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and provide downside protection. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Washington Mutual Investors Fund - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">P1</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.95%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.32%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.50%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS New World Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.82%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">28.27%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.32%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide as high a level of current income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">as is consistent with the preservation of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS The Bond Fund of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">America - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.47%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.14%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a high level of current income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with prudent investment risk and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS U.S. Government </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Securities Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.80%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.24%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To produce income and to provide an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">opportunity for growth of principal </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with sound common stock </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investing.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Washington Mutual </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investors Fund - Class 1A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.21%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.88%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Mid Cap Portfolio - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.82%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.35%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.50%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Class A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas, Inc.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.93%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.29%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.89%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income and capital growth consistent with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reasonable risk.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Balanced Portfolio - Initial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.41%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.25%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.52%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.13%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total return. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP FundsManager</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> 50% </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Investor Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.13%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.24%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio - Initial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available on or about May </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">18, 2026. Please consult your financial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">professional.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.55%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.75%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.59%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust Capital Strength Hedged Equity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Class I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.25%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-2.26%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust Capital Strength Portfolio - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.70%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust Growth Strength Portfolio - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.20%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.75%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust International Developed Capital </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Strength Portfolio - Class I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.20%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">19.53%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide total return by allocating among </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">dividend-paying stocks and investment </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">grade bonds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust/Dow Jones Dividend &amp; Income </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class I</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">5</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.18%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.30%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.68%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balance of growth of capital and income. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Franklin Multi-Asset Variable Conservative </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth - Class I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.76%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.69%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.70%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To achieve a high level of total return on its </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assets through a combination of capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation and current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Invesco V.I. Equally-Weighted S&amp;P 500 </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Series I Shares</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund is not available in contracts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">issued on or after August 19, 2024.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.34%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.39%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Series I Shares</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.90%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.22%</span></div></div></div></td></tr> <tr style="height:39.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged Nasdaq-100 Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.85%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.84%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 Conservative </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.90%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Opportunistic Hedged Equity Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.71%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Balanced Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.57%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.47%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.23%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth and current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income by investing approximately 60% of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">its assets in equity securities and the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">remainder in bonds and other fixed-income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">securities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Balanced Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.77%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.03%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Capital Appreciation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.79%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.47%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term total return using a strategy that </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">seeks to protect against U.S. inflation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Inflation Protection </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.47%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.60%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.87%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.87%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century International Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.95%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.42%</span></div></div></div></td></tr> <tr style="height:125pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth, income is </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Large Company </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Fund - Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will not be available in contracts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">issued on or after May 18, 2026. This fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">will be reorganzied to merge into the LVIP </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Value Fund on or about </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">June 5, 2026, subject to shareholders </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">approval.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.40%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.01%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.51%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth, income is </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary consideration.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Mid Cap Value Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.86%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.99%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.89%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.12%</span></div></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Ultra</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.65%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.95%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth; income is a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary consideration.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.71%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.02%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.65%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.23%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Funds Vanguard Active </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Passive Growth Fund - Service Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.02%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Growth Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.11%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.92%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income with some </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Income Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.57%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.70%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.42%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth; income is a secondary </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Avantis Large Cap Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP American Century </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Disciplined Core Value Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.71%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.86%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.39%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Baron Growth Opportunities Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.90%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-9.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.08%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.06%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total investment return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Global Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.71%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize real return, consistent with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of real capital and prudent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Inflation Protected Bond </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.76%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.61%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.01%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Channing Small Cap Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.88%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.94%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:87.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Appreciation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available on or about May </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">18, 2026. Please consult your financial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">professional.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.50%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.72%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.34%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation; current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and income growth is a secondary </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Dividend Strategy Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available on or about May </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">18, 2026. Please consult your financial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">professional.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.75%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.86%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.46%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Large Cap Growth Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly ClearBridge Variable Large Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Growth Portfolio)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.74%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.46%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital; current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income is a secondary objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Large Cap Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available on or about May </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">18, 2026. Please consult your financial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">professional.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.20%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.11%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.01%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional International Core Equity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.62%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">35.26%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.65%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.43%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional International Equity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Volatility Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.75%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">35.09%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.09%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.16%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. Core Equity 1 Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.39%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.14%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.67%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. Core Equity 2 Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.38%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.83%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.99%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. Equity Managed </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Volatility Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.62%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.02%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.39%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum long-term total return consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with reasonable risk.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Fidelity Institutional AM</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Total Bond </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.51%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.34%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.54%</span></div></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum current income (yield) consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with a prudent investment strategy.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Core Bond Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.25%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.44%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.24%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Emerging Markets Equity Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.46%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">34.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.89%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Equity Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.40%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">35.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.40%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor Large </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Equity Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.36%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.69%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.18%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.54%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor SMID </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Equity Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.69%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.21%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Aggressive Growth Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.84%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.94%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.29%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income with some </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Conservative Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.79%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.39%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.90%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Growth Allocation Managed </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Risk Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.79%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.20%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Moderate Allocation Managed </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Risk Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.52%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.70%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.65%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income while maintaining a stable </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">value of the investors' shares and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preserving the value of the investors' initial </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Government Money Market Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.38%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.97%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.87%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize total return by investing </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">primarily in a diversified portfolio of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">intermediate- and long-term debt securities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Core Bond Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.46%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.40%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.04%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.11%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income; capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation is the secondary objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan High Yield Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.67%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.82%</span></div></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation with the secondary goal </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of achieving current income by investing in </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">equity securities.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Mid Cap Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.74%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.72%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.63%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.77%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income and some capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Retirement Income Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.39%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.54%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum total return, consistent with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reasonable risk.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Short Duration Bond Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.47%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.19%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.87%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.33%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth over the long term.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Small Cap Core Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.77%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.27%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.40%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.95%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan U.S. Equity Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.69%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.84%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation as measured </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">by the change in the value of fund shares </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">over a period of three years or longer.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Mondrian International Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.74%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">36.38%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.90%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Nomura Diversified Floating Rate Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.64%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.76%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.35%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.77%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return and, as a secondary objective, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">high current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Nomura High Yield Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.26%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.88%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Nomura SMID Cap Core Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.65%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To seek a high level of current income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with preservation of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP PIMCO Low Duration Bond Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.60%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.47%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.91%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.24%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To match as closely as practicable, before </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees and expenses, the performance of the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bloomberg U.S. Aggregate Index.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Bond Index Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Bond Index Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.80%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.67%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with some </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Conservative Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Conservative Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Allocation Fund)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.80%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.71%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.57%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide investment results that, before </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees and expenses, correspond generally to </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the total return of the MSCI Emerging </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Index that tracks performance of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emerging market equity securities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Emerging Markets Equity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Emerging Markets </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Equity Index Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">33.48%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.41%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Global Tactical Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Volatility Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Global Tactical </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Allocation Managed Volatility Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.61%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.37%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.61%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.63%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the performance </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of a broad market index of non-U.S. foreign </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">securities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street International Index Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA International Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.38%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">31.18%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.00%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the performance </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the S&amp;P MidCap 400</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index that </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasizes stocks of mid-sized U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Mid-Cap Index Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Mid-Cap Index Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.35%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.13%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.74%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.34%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Moderate Index Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Moderate Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Allocation Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.64%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.43%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Moderately Aggressive </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Allocation Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Moderately </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Aggressive Index Allocation Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.43%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.18%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the total rate of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">return of common stocks publicly traded in </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the United States, as represented by the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">S&amp;P 500 Index.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street S&amp;P 500 Index Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA S&amp;P 500 Index Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.23%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.60%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.55%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide investment results that, before </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees and expenses, correspond generally to </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the price and yield performance of an index </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">that tracks the short-term U.S. corporate </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">bond market.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Short-Term Bond Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Short-Term Bond </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Index Fund)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.36%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.52%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.25%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the performance </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Russell 2000</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index, which </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasizes stocks of small U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Small-Cap Index Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP SSGA Small-Cap Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fund)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.38%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.46%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.18%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with some </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Conservative Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.61%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Moderate Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.28%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.59%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of current </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Moderately Aggressive </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">19.33%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.27%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.32%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP U.S. Aggressive Growth Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.84%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.21%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.17%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High level of current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with an emphasis on growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP U.S. Growth Allocation Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.81%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.63%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return consistent with the preservation </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Bond Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.36%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.33%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.54%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Domestic Equity ETF Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.30%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.47%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.79%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard International Equity ETF </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.32%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">31.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.29%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.14%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Total Return Series - Initial Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.61%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.42%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.63%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To seek to provide total return through a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">combination of high current income and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Nomura VIP High Income Series - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.41%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:27.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth of capital.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Nomura VIP Mid Cap Growth Series - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.85%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.38%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.16%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:185.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:183.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balanced investment composed of a well-</span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">diversified portfolio of stocks and bonds </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">which produce both capital growth and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT George Putnam Balanced Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class IA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.11%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.44%</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth and current income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT Large Cap Value Fund - Class IA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">20.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.58%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable Future Fund - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">IA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.87%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.44%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.88%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable Leaders Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class IA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.99%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.98%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income and capital appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Balanced ETF Portfolio - Service </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class Shares</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.58%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.47%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:63.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:185.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;margin-top:2pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Moderate ETF Portfolio - Service </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class Shares</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark Advisers, Inc.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Moderate Growth ETF </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Portfolio)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.11%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.88%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">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.</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">3</span><span style="font-family:Arial Narrow;font-size:8pt;">The Index to which this fund is managed to is a product of S&amp;P Dow Jones Indices LLC (SPDJI) and has been licensed for use by one or more of the portfolio’s service providers (licensee). Standard &amp; Poor’s</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">, S&amp;P</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">, S&amp;P GSCI</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> and S&amp;P 500</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> are registered trademarks of S&amp;P Global, Inc. or its affiliates (S&amp;P) and Dow Jones</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones). The trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by the licensee. The licensee’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&amp;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 liability for any errors, omissions, or interruptions of the Index. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">4</span><span style="font-family:Arial Narrow;font-size:8pt;">“Standard &amp; Poor’s</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">,” “S&amp;P</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">,” “Standard &amp; Poor’s Equal Weight Index,” “S&amp;P EWI,” “S&amp;P 500</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">,” “Standard &amp; 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&amp;P 500 Fund. The fund is not sponsored, endorsed, sold or promoted by S&amp;P, and S&amp;P makes no representation regarding the advisability of investing in the fund. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">5</span><span style="font-family:Arial Narrow;font-size:8pt;">Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The trademark has been licensed to S&amp;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 &amp; Poor's and Standard &amp; Poor's makes no representation regarding the advisability of purchasing the product. </span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">6</span><span style="font-family:Arial Narrow;font-size:8pt;">The Nasdaq-100 Index</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> based on market capitalization. NASDAQ</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">, and Nasdaq-100 Index</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;">, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by The Lincoln National Life Insurance Company. The fund is not sponsored, endorsed, sold or promoted by NASDAQ, and NASDAQ makes no representation regarding the advisability of purchasing the fund.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">AB VPS Discovery Value Portfolio - Class A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span> 0.0082 0.0289 0.0875 0.0855 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The balanced accomplishment of three </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">objectives: long-term growth of capital, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">conservation of principal and current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS American Funds </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Global Balanced Fund - Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0076 0.1721 0.0612 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide current income and preservation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS American Funds </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Mortgage Fund - Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0056 0.0857 0.0031 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a high level of current income; </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation is the secondary </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS American High-</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Trust - Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0062 0.0819 0.0559 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total return (including income and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital gains) consistent with preservation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital over the long term.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Asset Allocation Fund </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0054 0.1586 0.0897 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a level of current income that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exceeds the average yield on U.S. stocks </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">generally and a growing stream of income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">over the years.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Capital Income Builder </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0052 0.2042 0.0909 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a high level of total return </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with prudent investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">management.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Capital World Bond </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0073 0.0931 -0.0250 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital while providing </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Capital World Growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and Income Fund - Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0066 0.2479 0.1028 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Global Growth Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0065 0.2163 0.0824 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Global Small </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capitalization Fund - Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0090 0.1463 0.0049 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Growth Fund - Class </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0058 0.2024 0.1337 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital and income.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Growth-Income Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0053 0.1806 0.1390 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS International Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0072 0.2668 0.0340 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital while providing </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS International Growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and Income Fund - Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0081 0.3535 0.0768 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide high total return (including </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and capital gains) consistent with </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital over the long term </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">while seeking to manage volatility and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">provide downside protection. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk Asset </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Class P1</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0065 0.1201 0.0671 0.0744 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide growth of capital while seeking </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to manage volatility and provide downside </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">protection. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk Growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class P1</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0068 0.1363 0.0822 0.1203 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To achieve long-term growth of capital and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income while seeking to manage volatility </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and provide downside protection. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth-Income Fund - Class P1</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0063 0.1145 0.0797 0.0926 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide long-term growth of capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">while seeking to manage volatility and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">provide downside protection. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Fund - Class P1</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0081 0.1533 -0.0004 0.0323 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To produce income and to provide an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">opportunity for growth of principal </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with sound common stock </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investing while seeking to manage volatility </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and provide downside protection. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Managed Risk </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Washington Mutual Investors Fund - Class </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">P1</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0063 0.1095 0.0832 0.0750 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS New World Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0082 0.2827 0.0532 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide as high a level of current income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">as is consistent with the preservation of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS The Bond Fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">America - Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0047 0.0724 -0.0014 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide a high level of current income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with prudent investment risk and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS U.S. Government </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Securities Fund - Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0050 0.0780 -0.0024 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To produce income and to provide an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">opportunity for growth of principal </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with sound common stock </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investing.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> IS Washington Mutual </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investors Fund - Class 1A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0050 0.1721 0.1388 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Mid Cap Portfolio - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class I</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser, LLC</span> 0.0082 0.0435 0.0450 0.0750 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Class A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas, Inc.</span> 0.0093 0.1050 0.0529 0.0489 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income and capital growth consistent with </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reasonable risk.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Balanced Portfolio - Initial </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> 0.0041 0.1525 0.0952 0.1113 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total return. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP FundsManager</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> 50% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Investor Class</span> 0.0059 0.1413 0.0578 0.0724 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio - Initial </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> 0.0055 0.1175 0.1010 0.1059 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust Capital Strength Hedged Equity </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Class I</span> 0.0125 -0.0226 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust Capital Strength Portfolio - Class </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">I</span> 0.0110 0.0570 0.0707 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust Growth Strength Portfolio - Class </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">I</span> 0.0120 0.1175 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust International Developed Capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Strength Portfolio - Class I</span> 0.0120 0.1953 0.0645 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide total return by allocating among </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">dividend-paying stocks and investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">grade bonds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust/Dow Jones Dividend &amp; Income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class I</span> 0.0118 0.0530 0.0398 0.0668 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balance of growth of capital and income. A </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Franklin Multi-Asset Variable Conservative </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth - Class I</span> 0.0059 0.1276 0.0669 0.0770 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To achieve a high level of total return on its </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assets through a combination of capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation and current income.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Invesco V.I. Equally-Weighted S&amp;P 500 </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Series I Shares</span> 0.0034 0.1110 0.1016 0.1139 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Series I Shares</span> 0.0090 0.1650 0.0368 0.0622 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged Nasdaq-100 Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> 0.0085 0.1284 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 Conservative </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> 0.0070 0.0966 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> 0.0070 0.1190 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Opportunistic Hedged Equity Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> 0.0071 0.1016 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Balanced Allocation Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0057 0.1547 0.0662 0.0823 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth and current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income by investing approximately 60% of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">its assets in equity securities and the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">remainder in bonds and other fixed-income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">securities.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Balanced Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0077 0.0962 0.0649 0.0803 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Capital Appreciation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class II</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0079 0.0672 0.0516 0.1147 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term total return using a strategy that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">seeks to protect against U.S. inflation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Inflation Protection </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class II</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0047 0.0660 0.0087 0.0287 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century International Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0095 0.1598 0.0185 0.0642 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth, income is </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary objective.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Large Company </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Fund - Standard Class II</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0070 0.1540 0.1001 0.0951 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth, income is </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary consideration.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Mid Cap Value Fund </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class II</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0086 0.0899 0.0889 0.0912 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Ultra</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0065 0.1295 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth; income is a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary consideration.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century Value Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0071 0.1602 0.1165 0.1023 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Funds Vanguard Active </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Passive Growth Fund - Service Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0102 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Growth Allocation Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0059 0.1707 0.0711 0.0892 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income with some </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Income Allocation Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0057 0.1256 0.0470 0.0642 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth; income is a secondary </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Avantis Large Cap Value Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class II</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0071 0.1486 0.0878 0.1039 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Baron Growth Opportunities Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0090 -0.0985 -0.0008 0.0906 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total investment return.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Global Allocation Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0072 0.1871 0.0610 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize real return, consistent with </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of real capital and prudent </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment management.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Inflation Protected Bond </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0085 0.0576 0.0261 0.0301 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Channing Small Cap Value Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0088 0.0794 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Appreciation Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0070 0.1450 0.1272 0.1334 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation; current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and income growth is a secondary </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">objective.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Dividend Strategy Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0075 0.1262 0.1186 0.1246 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Large Cap Growth Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0074 0.0862 0.1057 0.1446 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital; current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income is a secondary objective.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP ClearBridge Large Cap Value Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0072 0.1020 0.1011 0.1001 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional International Core Equity </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0062 0.3526 0.0965 0.0843 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional International Equity </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Volatility Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0075 0.3509 0.1109 0.0716 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. Core Equity 1 Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0039 0.1566 0.1314 0.1367 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. Core Equity 2 Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0049 0.1538 0.1283 0.1299 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. Equity Managed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Volatility Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0062 0.0902 0.1181 0.1139 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum long-term total return consistent </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with reasonable risk.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Fidelity Institutional AM</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Total Bond </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0051 0.0672 -0.0034 0.0254 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum current income (yield) consistent </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with a prudent investment strategy.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Core Bond Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0037 0.0725 -0.0044 0.0224 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Emerging Markets Equity Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0046 0.3431 0.0907 0.0789 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Equity Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0040 0.3559 0.1198 0.0840 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor Large </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Equity Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0036 0.1869 0.1618 0.1354 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton Multi-Factor SMID </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Equity Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0037 0.1359 0.1169 0.1021 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Aggressive Growth Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0084 0.1494 0.0629 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income with some </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Conservative Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0080 0.0979 0.0339 0.0490 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Growth Allocation Managed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Risk Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0079 0.1354 0.0557 0.0620 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Moderate Allocation Managed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Risk Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0080 0.1152 0.0470 0.0565 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income while maintaining a stable </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">value of the investors' shares and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preserving the value of the investors' initial </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Government Money Market Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0038 0.0397 0.0298 0.0187 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize total return by investing </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">primarily in a diversified portfolio of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">intermediate- and long-term debt securities.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Core Bond Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0046 0.0740 -0.0004 0.0211 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income; capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation is the secondary objective.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan High Yield Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0068 0.0885 0.0467 0.0582 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation with the secondary goal </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of achieving current income by investing in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">equity securities.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Mid Cap Value Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0074 0.0472 0.0963 0.0877 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income and some capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Retirement Income Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0068 0.1210 0.0439 0.0554 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum total return, consistent with </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reasonable risk.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Short Duration Bond Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0047 0.0519 0.0187 0.0233 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth over the long term.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Small Cap Core Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0077 0.1027 0.0640 0.0895 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total return.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan U.S. Equity Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0063 0.1454 0.1369 0.1484 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation as measured </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">by the change in the value of fund shares </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">over a period of three years or longer.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Mondrian International Value Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0074 0.3638 0.1124 0.0790 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Nomura Diversified Floating Rate Fund </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0064 0.0476 0.0335 0.0277 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return and, as a secondary objective, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">high current income.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Nomura High Yield Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0072 0.0926 0.0407 0.0588 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Nomura SMID Cap Core Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0080 0.0885 0.0910 0.0965 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To seek a high level of current income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with preservation of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP PIMCO Low Duration Bond Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0060 0.0547 0.0191 0.0224 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To match as closely as practicable, before </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees and expenses, the performance of the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bloomberg U.S. Aggregate Index.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Bond Index Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0037 0.0680 -0.0073 0.0167 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with some </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Conservative Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0050 0.1280 0.0371 0.0557 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide investment results that, before </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees and expenses, correspond generally to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the total return of the MSCI Emerging </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Index that tracks performance of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emerging market equity securities.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Emerging Markets Equity </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0050 0.3348 0.0341 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Global Tactical Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Volatility Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0061 0.1437 0.0661 0.0663 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of a broad market index of non-U.S. foreign </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">securities.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street International Index Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0038 0.3118 0.0866 0.0800 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the S&amp;P MidCap 400</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasizes stocks of mid-sized U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Mid-Cap Index Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0035 0.0713 0.0874 0.1034 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Moderate Index Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0050 0.1564 0.0585 0.0743 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Moderately Aggressive </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Allocation Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0050 0.1743 0.0666 0.0818 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the total rate of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">return of common stocks publicly traded in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the United States, as represented by the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">S&amp;P 500 Index.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street S&amp;P 500 Index Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0023 0.1760 0.1416 0.1455 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide investment results that, before </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees and expenses, correspond generally to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the price and yield performance of an index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">that tracks the short-term U.S. corporate </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">bond market.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Short-Term Bond Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0036 0.0552 0.0225 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as practicable, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Russell 2000</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index, which </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasizes stocks of small U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP State Street Small-Cap Index Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0038 0.1246 0.0573 0.0918 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with some </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consideration given to growth of capital. A </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Conservative Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0059 0.1372 0.0445 0.0561 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Moderate Allocation Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0056 0.1728 0.0716 0.0759 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income and growth of capital, with a greater </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Moderately Aggressive </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0059 0.1933 0.0827 0.0832 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP U.S. Aggressive Growth Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0084 0.0921 0.0617 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High level of current income and growth of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with an emphasis on growth of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP U.S. Growth Allocation Managed Risk </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0081 0.0854 0.0549 0.0663 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return consistent with the preservation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Bond Allocation Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0036 0.0633 -0.0045 0.0154 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Domestic Equity ETF Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0030 0.1647 0.1272 0.1379 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard International Equity ETF </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0032 0.3156 0.0729 0.0814 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Total Return Series - Initial Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Services Company</span> 0.0061 0.1116 0.0642 0.0763 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To seek to provide total return through a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">combination of high current income and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Nomura VIP High Income Series - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> 0.0072 0.0741 0.0398 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Nomura VIP Mid Cap Growth Series - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> 0.0085 0.0138 0.0016 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balanced investment composed of a well-</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">diversified portfolio of stocks and bonds </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">which produce both capital growth and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT George Putnam Balanced Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class IA</span> 0.0063 0.1431 0.0911 0.1044 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth and current income.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT Large Cap Value Fund - Class IA</span> 0.0054 0.2066 0.1568 0.1358 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable Future Fund - Class </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">IA</span> 0.0080 0.0287 0.0144 0.0988 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable Leaders Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class IA</span> 0.0063 0.1099 0.1062 0.1498 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income and capital appreciation. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Balanced ETF Portfolio - Service </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class Shares</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark Advisers, Inc.</span> 0.0058 0.1281 0.0547 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Moderate ETF Portfolio - Service </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class Shares</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark Advisers, Inc.</span> 0.0059 0.1511 0.0688 <span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">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.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:18pt;font-weight:bold;">Appendix B — Investment Requirements </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you purchase a Living Benefit Rider (except </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage without the Guaranteed Income Benefit), you will be subject to Investment Requirements. This means you will be limited in your choice of Subaccount investments and may be limited in how much you can invest in certain Subaccounts. This also means you will not be 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. </span><span style="font-family:Arial Narrow;font-size:10pt;">If you elected</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;">,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk) or </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">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 </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Select Guaranteed Income Benefit or other Living Benefit Riders sections below, according to which rider you purchased and the date of purchase. Currently, if you purchase </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Certain Living Benefit Riders guarantee you the right to transition to a version of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit even if that version is no longer available for purchase. If you transition to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit, the Investment Requirements under your Prior Living Benefit Rider continue to apply. See </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage – </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit Transitions for a discussion of this transition. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Certain 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 and Secure 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 financial professional 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you purchase a Living Benefit Rider (except </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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, portfolio rebalancing will be paused, and any subsequent transfer requests will be considered not in Good Order until updated allocation instructions are received. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">These investments will become your allocation instructions until you tell us otherwise. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 financial professional to determine if the Investment Requirements are consistent with your investment objectives.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">If you elect a Living Benefit Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please review the Investment Requirements below to determine which Investment Requirements apply to your rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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. 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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">any change. 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. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">If you elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit on or after May 21, 2018,</span><span style="font-family:Arial Narrow;font-size:10pt;"> 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">At the time you receive notice of a change to the Investment Requirements, you may: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">terminate the applicable rider immediately, without waiting for a termination event, if you do not wish to be subject to these Investment Requirements.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Investment Requirements for Managed Risk Riders.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If you elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">and Estate Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">, Lincoln ProtectedPay Secure Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Plus</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Secure Max</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage 2.0 (Managed Risk), or if you are transitioning from</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">one of these riders to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit (Managed Risk), or elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit (Managed Risk), you will be required to adhere to certain Subaccounts. In addition, you will not be able to allocate Contract Value to all of the Subaccount investments, and in how much you can invest in certain Subaccounts. In addition, you will not be able to allocate your Contract Value to all of the Subaccounts that are available to Contractowners who have not elected a Living Benefit Rider. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under the current Investment Requirements for your rider, you must allocate your Contract Value or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Account Value as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:auto;"> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:528pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Group 1</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Investments must be at least 20% of Contract Value or Account Value</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS American Funds Mortgage Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS The Bond Fund of America </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS U.S. Government Securities Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Lincoln Hedged S&amp;P 500 Conservative Fund</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1 </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Inflation Protection Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP BlackRock Inflation Protected Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Fidelity Institutional AM</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Total Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Franklin Templeton Core Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Core Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Short Duration Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Nomura Diversified Floating Rate Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP PIMCO Low Duration Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Bond Index Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Short-Term Bond Index Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Vanguard Bond Allocation Fund</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="font-family:Arial Narrow;font-size:8pt;">Not available for </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage 2.0 (Managed Risk) elections.</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:auto;"> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:528pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Group 2</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Investments cannot exceed 80% of Contract Value or Account Value</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Managed Risk Asset Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Managed Risk Growth Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Managed Risk Growth-Income Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Managed Risk International Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Managed Risk Washington Mutual Investors Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Lincoln Hedged S&amp;P 500 Fund</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1 </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Dimensional International Equity Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LIVP Dimensional U.S. Equity Managed Volatility Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Global Aggressive Growth Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Global Conservative Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Global Growth Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Global Moderate Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Global Tactical Allocation Managed Volatility Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP U.S. Aggressive Growth Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP U.S. Growth Allocation Managed Risk Fund</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="font-family:Arial Narrow;font-size:8pt;">Not available for </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage 2.0 (Managed Risk) elections. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The fixed account is not available. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As an alternative, to satisfy these Investment Requirements, you may allocate 100% of your Contract Value or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Account Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">restrictions. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS American Funds Mortgage Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS Managed Risk Asset Allocation Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS The Bond Fund of America </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS U.S. Government Securities Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Lincoln Hedged S&amp;P 500 Conservative Fund</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1 </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Inflation Protection Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP BlackRock Inflation Protected Bond Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Fidelity Institutional AM</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Total Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Franklin Templeton Core Bond Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Global Aggressive Growth Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Global Conservative Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Global Growth Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Global Moderate Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Core Bond Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Short Duration Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Nomura Diversified Floating Rate Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP PIMCO Low Duration Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Bond Index Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Global Tactical Allocation Managed Volatility Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Short-Term Bond Index Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP U.S. Aggressive Growth Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP U.S. Growth Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Vanguard Bond Allocation Fund</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="font-family:Arial Narrow;font-size:8pt;">Not available for </span><span style="font-family:Arial Narrow;font-size:8pt;font-style:italic;">Lincoln Lifetime Income</span><span style="font-family:Arial Narrow;font-size:5pt;position:relative;top:-3.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:8pt;"> Advantage 2.0 (Managed Risk) elections.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:11pt;">  </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Investment Requirements for </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Select Guaranteed Income Benefit purchased on or after May 21, 2018 and prior to August 19, 2024.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If you elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Select Guaranteed Income Benefit on or after May 21, 2018 and prior to August </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">19, 2024, you may currently allocate 100% of your Contract Value among all Subaccounts </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-decoration:underline;">except</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> those listed below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS Capital World Bond Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS Global Small Capitalization Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS New World Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">ClearBridge Variable Mid Cap Portfolio </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">DWS Alternative Asset Allocation VIP Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">First Trust Capital Strength Hedged Equity Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">Lincoln Hedged Nasdaq-100 Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Franklin Templeton Multi-Factor Emerging Markets Equity Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Emerging Markets Equity Index Fund</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The fixed account, if available, is only available for dollar cost averaging </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As an alternative, to satisfy these Investment Requirements, Account 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 Account Value can be allocated to one of the following models, if available:</span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">American Century Diversified Growth Model </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">American Funds Balanced Model Portfolio </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">American Funds Conservative Model Portfolio </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Dimensional/Vanguard Global Growth Allocation Model </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Dimensional/Vanguard Moderate Allocation Model </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">First Trust Defensive Equity Strength Model </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">JPMorgan U.S Active Growth Model</span><span style="font-family:Arial Narrow;font-size:10pt;">You may choose only 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 Account 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.</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Investment Requirements for other Living Benefit Riders. </span><span style="font-family:Arial Narrow;font-size:10pt;">If you elect </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Select Guaranteed Income Benefit prior to May 21, 2018 and on and after August 19, 2024, </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> and </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Estate Lock</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Core</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;">,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Plus</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln ProtectedPay Select Max</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;">, Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage, </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">4LATER</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Select Advantage, Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Max 6 Select</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">or you are transitioning to </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Advantage Select Guaranteed Income Benefit from one of these riders, you must currently allocate your Contract Value or Account Value among one or more of the following Subaccounts.</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:auto;"> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:528pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Group 1</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Investments must be at least 20% of Contract Value or Account Value</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS American Funds Mortgage Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS The Bond Fund of America </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS U.S. Government Securities Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Inflation Protection Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP BlackRock Inflation Protected Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Fidelity Institutional AM</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Total Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Franklin Templeton Core Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Core Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Short Duration Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Nomura Diversified Floating Rate Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP PIMCO Low Duration Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Bond Index Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Short-Term Bond Index Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Vanguard Bond Allocation Fund</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:auto;"> <td style="background-color:#E5E5E5;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:528pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Group 2</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Investments cannot exceed 80% of Contract Value or Account Value</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:8pt;">AB VPS Discovery Value Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS American High-Income Trust </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Asset Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Capital Income Builder </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Capital World Growth and Income Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Global Balanced Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Global Growth Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Growth Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Growth-Income Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS International Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS International Growth and Income Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Managed Risk Asset Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> IS Washington Mutual Investors Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">ClearBridge Variable Large Cap Growth Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> VIP Balanced Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> VIP FundsManager</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> 50% Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> VIP Mid Cap Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">First Trust Capital Strength Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">First Trust Growth Strength Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">First Trust International Developed Capital Strength Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">First Trust/Dow Jones Dividend &amp; Income Allocation Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">Franklin Multi-Asset Variable Conservative Growth Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Invesco V.I. Equally-Weighted S&amp;P 500 Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Invesco V.I. EQV International Equity Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Lincoln Hedged S&amp;P 500 Conservative Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Lincoln Hedged S&amp;P 500 Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Lincoln Opportunistic Hedged Equity Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Balanced Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Balanced Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Capital Appreciation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Inflation Protection Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century International Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Large Company Value Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Mid Cap Value Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Ultra</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Value Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Funds Vanguard Active Passive Growth Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Growth Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Income Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Avantis Large Cap Value Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Baron Growth Opportunities Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP BlackRock Global Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Channing Small Cap Value Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP ClearBridge Appreciation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP ClearBridge Dividend Strategy Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP ClearBridge Large Cap Growth Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP ClearBridge Large Cap Value Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Dimensional International Core Equity Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Dimensional U.S. Core Equity 1 Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Dimensional U.S. Core Equity 2 Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Franklin Templeton Multi-Factor International Equity Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Franklin Templeton Multi-Factor Large Cap Equity Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Franklin Templeton Multi-Factor SMID Cap Equity Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Global Aggressive Growth Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Global Conservative Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Global Growth Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Global Moderate Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Government Money Market Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan High Yield Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Mid Cap Value Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Retirement Income Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Small Cap Core Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan U.S. Equity Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Mondrian International Value Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Nomura High Yield Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Nomura SMID Cap Core Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Conservative Index Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Global Tactical Allocation Managed Volatility Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street International Index Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Mid-Cap Index Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Moderate Index Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Moderately Aggressive Index Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street S&amp;P 500 Index Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Small-Cap Index Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Structured Conservative Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Structured Moderate Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Structured Moderately Aggressive Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP U.S. Aggressive Growth Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP U.S. Growth Allocation Managed Risk Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Vanguard Domestic Equity ETF Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Vanguard International Equity ETF Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Nomura VIP High Income Series </span><span style="font-family:Arial Narrow;font-size:8pt;">Nomura VIP Mid Cap Growth Series </span><span style="font-family:Arial Narrow;font-size:8pt;">MFS</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> VIT Total Return Series </span><span style="font-family:Arial Narrow;font-size:8pt;">Putnam VT George Putnam Balanced Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Putnam VT Large Cap Value Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Putnam VT Sustainable Future Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Putnam VT Sustainable Leaders Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Balanced ETF Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Moderate ETF Portfolio</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As an alternative, to satisfy these Investment Requirements, you may allocate 100% of your Contract Value or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Account Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">restrictions. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS American Funds Mortgage Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS Global Balanced Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS Managed Risk Asset Allocation Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS The Bond Fund of America </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">American Funds</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> IS U.S. Government Securities Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">Fidelity</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">VIP Balanced Portfolio </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">Fidelity</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">VIP FundsManager</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;line-height:10pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">50% Portfolio </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">First Trust Capital Strength Portfolio </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">First Trust/Dow Jones Dividend &amp; Income Allocation Portfolio </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">Franklin Multi-Asset Variable Conservative Growth Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Lincoln Hedged S&amp;P 500 Conservative Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">Lincoln Hedged S&amp;P 500 Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">Lincoln Opportunistic Hedged Equity Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP American Balanced Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Balanced Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Century Inflation Protection Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP American Funds Vanguard Active Passive Growth Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP American Income Allocation Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP BlackRock Global Allocation Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP BlackRock Inflation Protected Bond Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Fidelity Institutional AM</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Total Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Franklin Templeton Core Bond Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Global Aggressive Growth Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Global Conservative Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Global Growth Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Global Moderate Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Core Bond Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Retirement Income Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP JPMorgan Short Duration Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP Nomura Diversified Floating Rate Fund</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP PIMCO Low Duration Bond Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Bond Index Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Conservative Index Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Global Tactical Allocation Managed Volatility Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Moderate Index Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Moderately Aggressive Index Allocation Fund </span><span style="font-family:Arial Narrow;font-size:8pt;">LVIP State Street Short-Term Bond Index Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Structured Conservative Allocation Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Structured Moderate Allocation Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Structured Moderately Aggressive Allocation Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP U.S. Aggressive Growth Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP U.S. Growth Allocation Managed Risk Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Vanguard Bond Allocation Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Vanguard Domestic Equity ETF Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">LVIP Vanguard International Equity ETF Fund</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">MFS</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> VIT Total Return Series </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">Putnam VT George Putnam Balanced Fund </span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;">TOPS</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;"> Balanced ETF Portfolio </span><span style="font-family:Arial Narrow;font-size:8pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-5.5pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;"> Moderate ETF Portfolio</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The fixed account is not available. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additionally, Contract Value may be allocated in accordance with certain asset allocation models made available to you by your financial professional. If so, currently 100% of the Contract Value or Account Value can be allocated to the following model, if available:</span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">American Century Diversified Growth Model </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">American Funds Balanced Model Portfolio </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">American Funds Conservative Model Portfolio </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Dimensional/Vanguard Global Growth Allocation Model </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Dimensional/Vanguard Moderate Allocation Model </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">First Trust Defensive Equity Strength Model </span><span style="font-family:Arial Narrow;font-size:10pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;">JPMorgan U.S. Active Growth Model</span><span style="font-family:Arial Narrow;font-size:10pt;">You may choose only 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 or Account 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. </span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:7.5pt;font-weight:bold;position:relative;top:-5pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;"> Advantage 2.0 (Managed Risk) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk) is a Living Benefit Rider that provides: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed lifetime periodic withdrawals for you (and the Secondary Life if the joint life option is selected) up to the Protected Annual Income amount which is based upon a Protected Income Base; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An Enhancement amount added to the Protected Income Base if certain criteria are met, as set forth below; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Age-based increases to the Protected Annual Income amount (after reaching a higher age-band and after an Account Value Step-up). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income payments are based upon specified percentages of the Protected Income Base which are age-based and may increase over time. You may receive Protected Annual Income payments for your lifetime or for the lifetimes of you and the Secondary Life if the joint life option is chosen. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note any withdrawals made prior to the youngest age on the Rate Sheet, or that exceed the Protected Annual Income amount(s) are considered Excess Withdrawals. Additionally, Advisory Fee Withdrawals that exceed the Advisory Fee withdrawal percentage and 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 also considered Excess Withdrawals. Excess Withdrawals may significantly reduce your Protected Income Base and Enhancement Base as well 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. As a result, the Protected Income Amount would be reduced as well. Withdrawals, including the portion of cumulative Advisory Fee Withdrawals over 1.25%, will also negatively impact the availability of an Enhancement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. Under the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk) rider, the Secondary Life must be the spouse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit Year.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Nursing Home Enhancement.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> (The Nursing Home Enhancement is not available in certain states. Please contact the Home Office or your financial professional regarding availability.) The Protected Annual Income rate will be increased to 10%, called the Nursing Home Enhancement, during a Benefit Year when the Contractowner/Annuitant is age 70 or older, or the younger of the Contractowner and spouse is age 70 or older (joint life option), and one is admitted into an accredited nursing home or equivalent health care facility. (The Nursing Home Enhancement is not available until the next Benefit Year anniversary after age 70 if a withdrawal has been taken since the rider effective date.) The Nursing Home Enhancement applies if the admittance into such facility occurs 60 months or more after the effective date of the rider, the individual was not in the nursing home in the year prior to the effective date of the rider, and upon entering the nursing home, the person has then been confined for at least 90 consecutive days. For the joint life option if both spouses qualify, the Nursing Home Enhancement is available for either spouse, but not both spouses. You should carefully consider the fact that the enhanced Protected Annual Income rate is only available for one measuring life before an election is made. The Nursing Home Enhancement will not be available if your Contract Value is reduced to zero for any reason, including withdrawals, market performance, or protected lifetime income fees. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may request the Nursing Home Enhancement by filling out a request form provided by us. Proof of nursing home confinement will be required each year. If you leave the nursing home, or if your Contract Value is reduced to zero for any reason, your Protected Annual Income amount will be reduced to the amount you would otherwise be eligible to receive. Any withdrawals made prior to the entrance into a nursing home and during the Benefit Year that the Nursing Home Enhancement commences, will reduce the amount available that year for the Nursing Home Enhancement. Purchase Payments may not be made into the Contract after a request for the Nursing Home Enhancement is approved by us and any Purchase Payments made either in the 12 months prior to entering the nursing home or while you are residing in a nursing home will not be included in the calculation of the Nursing Home Enhancement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The requirements of an accredited nursing home or equivalent health care facility are set forth in the Nursing Home Enhancement Claim Form. The criteria for the facility include, but are not limited to: providing 24 hour a day nursing services; an available physician; an employed nurse on duty or call at all times; maintains daily clinical records; and able to dispense medications. This does not include an assisted living or similar facility. The admittance to a nursing home must be pursuant to a plan of care provided by a licensed health care practitioner, and the nursing home must be located in the United States. The remaining references to the Protected Annual Income amount also include the Nursing Home Enhancement amount. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Owners of contracts issued in South Dakota who elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk) have the option to increase the Protected Annual Income rate upon the diagnosis of a terminal illness, subject to certain conditions. The Protected Annual Income amount will be increased to 10% during a Benefit Year when the Contractowner/Annuitant is age 70 or older or the younger of the Contractowner and spouse is age 70 or older (joint life option), and one is diagnosed by a licensed physician that his or her life expectancy is twelve months or less. (The terminal illness provision is not available until the next Benefit Year anniversary after age 70.) (The terminal illness provision is not available until the next Benefit Year anniversary after age 70 (or 65 for rider elections prior to May 20, 2013) if a withdrawal has been taken since the rider effective date.) This provision applies if the diagnosis of terminal illness occurs 60 months or more after the effective date of the rider and the diagnosis was not made in the year prior to the effective date of the rider. For the joint life option if both spouses qualify, this provision for terminal illness is available for either spouse, but not both spouses. You should carefully consider the fact that the enhanced Protected Annual Income rate is only available for one measuring life before an election is made. The terminal illness provision will not be available if your Contract Value is reduced to zero for any reason, including withdrawals, market performance, or protected lifetime income fees. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once either the Nursing Home Enhancement or the terminal illness enhancement is elected for one spouse, neither enhancement will be available for the other spouse. You may request the terminal illness enhancement by filling out a request form provided by us. If your Contract Value is reduced to zero for any reason, your Protected Annual Income amount will be reduced to the amount you would otherwise be eligible to receive. Any withdrawals made prior to the diagnosis of a terminal illness and during the Benefit Year that the terminal illness enhancement commences will reduce the amount available that year for the terminal illness enhancement. Purchase Payments may not be made into the Contract after a request for the terminal illness enhancement is approved by us and any Purchase Payments made either in the 12 months prior to the terminal illness diagnosis or during the duration of the terminal illness will not be included in the calculation of the terminal illness enhancement. Any requirements to qualify for the terminal illness enhancement are set forth in the Terminal Illness Claim Form. The remaining references to the Protected Annual Income amount also include the terminal illness enhancement amount for owners of contracts issued in South Dakota only.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Annual Income Payout Option.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Protected Annual Income Payout Option (“PAIPO”) is an Annuity Payout option under which the Contractowner (and joint life if applicable) will receive annuity payments equal to the Protected Annual Income amount for life. This option is different from other Annuity Payout options, including </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contractowners may decide to choose the PAIPO over </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit if they feel this may provide a higher final payment over time and they place more importance on this payment over access to the Account Value. 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 lives of you and the Secondary Life for the joint life option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you are receiving the PAIPO, the Beneficiary may be eligible to receive final payment upon death of the single life or surviving joint life. If the Account Value Death Benefit option was in effect immediately prior to electing the PAIPO, the Beneficiary will not be eligible to receive the final payment. The final payment is a one-time lump-sum payment. If the effective date of the rider is the same as the effective date of the Contract, the final payment will be equal to the sum of all Purchase Payments, decreased by withdrawals. If the effective date of the rider is after the effective date of the Contract, the final payment will be equal to the Contract Value on the effective date of the rider, increased for Purchase Payments received after the rider effective date and decreased by withdrawals. Excess Withdrawals reduce the final payment in the same proportion as the withdrawals reduce the Contract Value; withdrawals less than or equal to the Protected Annual Income amount and payments under the PAIPO will reduce the final payment dollar for dollar. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Prior to the Selection of an Annuity Payout Option.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk) has no provision for a payout of the Protected Income Base or Enhancement Base upon death of the Contractowners or Annuitant and provides no increase in the Death Benefit value 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 earlier in this prospectus) will be in effect. Election of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk) 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 Benefits Available Under the Contract – Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk) 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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As an alternative, after the first death, the surviving spouse, if under age 86, may choose to terminate the joint life option and purchase a new single life option under the terms and charge in effect at the time for a new purchase (depending on rider availability). In deciding whether to make this change, the surviving spouse should consider whether the change will cause the Protected Income Base and the Protected Annual Income amount to decrease. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> After the fifth anniversary of the effective date of the rider, the Contractowner may terminate the rider by notifying us in writing of the request to terminate or by failing to adhere to Investment Requirements. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 2.0 (Managed Risk) will automatically terminate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the selection of an Annuity Payout option (except payments under the Protected Annual Income Payout Option will continue if applicable); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if the Contractowner or Annuitant is changed (except if the Secondary Life 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; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon the death under the single life option or the death of the surviving Secondary Life under the joint life option; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">when the Protected Income Base or Contract Value is reduced to zero due to an Excess Withdrawal; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the date the Contractowner is changed due to an enforceable divorce agreement or decree; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon surrender or termination of the underlying annuity contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The termination will not result in any increase in Contract Value equal to the Protected Income Base or Enhancement Base. Upon effective termination of this rider, the benefits and charges within this rider will terminate. If you terminate the rider, we reserve the right to require a 12-month wait after this termination before you can elect any Living Benefit Rider available for purchase at that time. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guaranteed Income Benefit (Managed Risk) option.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Contractowners who elect </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Lincoln Lifetime Income</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advantage 2.0 (Managed Risk) may decide to later transition to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit (Managed Risk). This transition must be made prior to the maximum age limit and prior to the selection of an Annuity Payout option. You cannot have both </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage and another Living Benefit Rider in effect on your Contract at the same time. See </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit Transitions for a discussion of this transition.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Income Base and Enhancement Base.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Protected Income Base is a value used to calculate your Protected Annual Income amount. The initial Protected Income Base was established when you elected your rider. If you elected the rider at the time you purchased the Contract, the initial Protected Income Base equaled your initial Purchase Payment. If you elected the rider after the Contract was issued, the initial Protected Income Base equaled the Contract Value on the effective date of the rider. The Protected Income Base is increased by subsequent Purchase Payments, Enhancements, and Account Value Step-ups, and decreased by Excess 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 Secondary Life if joint life option) are the covered lives. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Enhancement Base is the value used to calculate the amount that may be added to the Protected Income Base upon an Enhancement. The Enhancement Base is equal to the Protected Income Base on the effective date of the rider, increased by subsequent Purchase Payments and Account Value Step-ups, and decreased by Excess Withdrawals in accordance with the provisions set forth below. The Enhancement Base is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> increased by an Enhancement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Neither the Protected Income Base nor the Enhancement Base is available to you as a lump sum withdrawal or as a Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional Purchase Payments received after the rider effective date automatically increase the Protected Income Base (not to exceed the maximum Protected Income Base) and Enhancement Base by the amount of the Purchase Payment. 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 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 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 Enhancement Base for purposes of calculating the Enhancement on the first Benefit Year anniversary. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After the first anniversary of the rider effective date, once cumulative additional Purchase Payments exceed $100,000, additional Purchase Payments may not exceed $50,000 per Benefit Year without Home Office approval. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">No additional Purchase Payments are allowed if the Contract Value decreases to zero for any reason including market loss. No additional Purchase Payments are allowed after the Nursing Home Enhancement is requested and approved by us (as described later in this prospectus). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Excess Withdrawals, including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year, reduce the Protected Income Base and Enhancement Base as discussed below. The reduction to the Protected Income Base 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 or Enhancement Base. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You are eligible for an increase in the Protected Income Base through an Enhancement on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. the Contractowner/Annuitant (as well as the Secondary Life if the joint life option is in effect) is under age 86; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. there were no withdrawals in the preceding Benefit Year, including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. the rider is within the Enhancement Period (described below); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. the Protected Income Base after the Enhancement amount is added would be greater than the Contract Value on the same Benefit Year anniversary; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e. the Enhancement Base, if applicable, is greater than zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 or the Enhancement Base are not reduced by Purchase Payments received in the first 90 days after the rider effective date for determining the Enhancement Amount. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Enhancement that was applicable at the time you elected your rider was 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 had to be signed and dated for a rider to be issued with this rate. Enhancement rates for previous effective periods are included in Appendix F to this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">During the first ten Benefit Years, an increase in the Protected Income Base as a result of the Enhancement will not cause an increase in the annual protected lifetime income fee rate but will increase the dollar amount of the fee. After the tenth Benefit Year anniversary, if the Enhancement Period has renewed, the annual rate may increase each time the Protected Income Base increases as a result of the Enhancement. If you decline an Enhancement, you will continue to be eligible for an Enhancement starting on the next Benefit Year anniversary as long as you meet the conditions listed above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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 and withdrawals to pay financial planning fees) 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following is an example of the impact of a 5% Enhancement on the Protected Income Base and assumes that no withdrawals have been made. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Initial Purchase Payment = $100,000; Protected Income Base = $100,000; Enhancement Base = $100,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional Purchase Payment on day 30 = $15,000; Protected Income Base = $115,000; Enhancement Base = $115,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 will not be less than $120,750 (= $100,000 x 1.05 + $15,000 x 1.05). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Consider a further additional Purchase Payment on day 95 of $10,000; Protected Income Base = $125,000; Enhancement Base = $125,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This additional Purchase Payment is not eligible for the Enhancement on the first Benefit Year anniversary because it was received after the first 90 days after the effective date for the rider. It will not be eligible for an Enhancement until the second Benefit Year anniversary. Therefore, on the first Benefit Year anniversary, the Protected Income Base will not be less than $130,750 (= $100,000 x 1.05 + $15,000 x 1.05 + $10,000). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As explained below, 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An example of the impact of a withdrawal on the 5% Enhancement is included in the Withdrawal Amount section below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement Period. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The original Enhancement Period is up to a 10-year period that began on the effective date of the rider. A new Enhancement Period begins 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Account Value Step-ups. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Income Base and Enhancement Base will automatically step-up to the Contract Value on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contractowner/Annuitant (single life option), or the Contractowner/Annuitant and Secondary Life (joint life option) are under age 86; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contract Value on that Benefit Year anniversary, after the deduction of any withdrawals (including the protected lifetime income fee), plus any Purchase Payments made on that date is equal to or greater than the Protected Income Base after an Enhancement (if any). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The 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. See Charges &amp; Deductions – Protected Lifetime Income Fees for details. If you decline an Account Value Step-up, you will continue to be eligible for an Enhancement through the end of the Enhancement Period, including in the year you declined the Account Value Step-up, as long as you meet the conditions listed above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Following is an example of how the Account Value Step-up and the 5% Enhancement impact the Protected Income Base (assuming no withdrawals or additional Purchase Payments):</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:480pt;"> <tr style="height:19.75pt;"> <td style="vertical-align:Bottom;width:306.39pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:13.48%;margin-right:13.48%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value</span></div></div></div></td> <td style="vertical-align:Bottom;width:129.11pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.65%;margin-right:18.59%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Income Base</span></div></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:306.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">At issue</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">50,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:129.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">50,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:306.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">54,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:129.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">54,000</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:306.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">53,900</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:129.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">56,700</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the first Benefit Year anniversary, the Account Value Step-up increased the Protected Income Base to the Contract Value of $54,000 since the increase in the Contract Value is greater than the 5% Enhancement amount of $2,500 (5% of $50,000). On the second Benefit Year anniversary, the 5% Enhancement provided a larger increase (5% of $54,000 = $2,700). An Account Value Step-up cannot increase the Protected Income Base beyond the maximum Protected Income Base of $10 million.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Protected Annual Income withdrawals are available at the youngest age on the Rate Sheet. 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, these withdrawals may be taken for your lifetime (single life option) or the lifetimes of you and your Secondary Life (joint life option). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition to the Protected Annual Income amount, you may take Advisory Fee Withdrawals of up to 1.25% of your Contract Value annually without that withdrawal being considered a withdrawal under your Living Benefit Rider. Certain states and certain broker-dealers or advisory firms may not allow withdrawals to pay advisory fees so please check with your financial professional. The portion of any Advisory Fee Withdrawal in excess of 1.25% of your Contract Value will reduce the amount of available Protected Annual Income each year and will be considered a withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The initial Protected Annual Income amount is calculated when you purchase the rider. If you (or younger of you and the Secondary Life if the joint life option is elected) are under the youngest age stated on the Rate Sheet at the time the rider is elected the initial Protected Annual Income amount will be zero. If you (or the younger of you and the Secondary Life if the joint life option is elected) are older than the youngest age on the Rate Sheet at the time the rider is elected the initial Protected Annual Income amount will be equal to a specified percentage of the Protected Income Base. Upon your first withdrawal the Protected Annual Income rate is based on your age (single life option) or the younger of you and the Secondary Life’s age (joint life option) at the time of the withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income rates applicable to new rider elections are determined in our sole discretion based on current economic factors including interest rates and equity market volatility. Generally, the rates may increase or decrease based on changes in equity </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 Protected Annual Income rates for new rider elections may be higher or lower than prior rates, but for existing Contractowners that have elected the rider, your Protected Annual Income rates will not change as a result. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income rates that were applicable at the time you elected your rider were 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 had to be signed and dated for a rider to be issued with those rates. Rate information for previous effective periods is included in an Appendix to this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After your first 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 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your Contract Value is reduced to zero for any reason other than for an Excess Withdrawal, the remaining Protected Annual Income amount 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 the Secondary Life’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 or Enhancement Base in a lump sum. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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 Protected Income Base is reduced to zero due to an Excess Withdrawal the rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Cumulative withdrawals during a Benefit Year that are equal to or less than the Protected Annual Income amount will not reduce the Protected Income Base or Enhancement Base. All withdrawals will decrease the Contract Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 affect the Protected Income Base, the Enhancement Base, and the Contract Value. The example assumes a 5% Enhancement, a 4.00% Protected Annual Income rate, and a Contract Value of $200,000:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:107.25pt;width:313.5pt;"> <tr style="height:12.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value on the rider's effective date</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base on the rider's </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Protected Annual Income amount on the rider's effective </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">date ($200,000 x 4.00%)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">8,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value six months after rider's effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">210,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base six months after </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">rider's effective date</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawal six months after rider's effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">8,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value after withdrawal ($210,000 - $8,000)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">202,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base after withdrawal </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">($200,000 - $0)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value on first Benefit Year anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">205,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base on first Benefit </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Year anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">205,000</span></div></div></div></td></tr> <tr style="height:23.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Annual Income amount on first Benefit Year anniversary </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">($205,000 x 4.00%)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">8,200</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 and Enhancement Base to the Contract Value of $205,000. On the first anniversary of the rider’s effective date, the Protected Annual Income amount is $8,200 (4.00% x $205,000). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. For example, assuming a Contractowner has a Protected Annual Income amount of $8,000 (4.00% of $200,000 Protected Income Base), an additional Purchase Payment of $10,000 increases the Protected Annual Income amount that Benefit Year to $8,400 ($8,000 + 4.00% of $10,000). The Protected Annual Income payment amount will be recalculated immediately after a Purchase Payment is added to the Contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 either 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. </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Excess Withdrawals.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Excess Withdrawals are: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawals made prior to the youngest age on the Rate Sheet; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawals that are payable to any assignee or assignee’s bank account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advisory Fee Withdrawals that exceed the Advisory Fee Withdrawal percentage where it was made prior to the youngest age on the Rate Sheet, or that exceed the Protected Annual Income amount are considered Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When an Excess Withdrawal occurs: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Income Base and Enhancement Base are reduced by the same proportion that the Excess Withdrawal reduces the Contract Value. This means that the reduction in the Protected Income Base and Enhancement Base could be more than the dollar amount of the withdrawal; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 financial professional or call us at the number provided in this prospectus if you have questions about Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following example demonstrates the impact of an Excess Withdrawal on the Protected Income Base and Enhancement Base, the Protected Annual Income amount and the Contract Value. The example assumes a 5.00% Protected Annual Income rate and a $10,940 withdrawal, which causes a $10,200 reduction in the Protected Income Base and Enhancement Base. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Prior to Excess Withdrawal:</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $60,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $4,250 (5% of the Protected Income Base of $85,000) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After a $10,940 Withdrawal ($4,250 is within the Protected Annual Income amount, $6,690 is the Excess Withdrawal):</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Contract Value is reduced by the amount of the Protected Annual Income amount of $4,250 and the Protected Income Base and Enhancement Base are not reduced: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $55,750 ($60,000 - $4,250)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $85,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Contract Value is also reduced by the $6,690 Excess Withdrawal and the Protected Income Base and Enhancement Base are reduced by 12%, the same proportion by which the Excess Withdrawal reduced the $55,750 Contract Value ($6,690 ÷ $55,750) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $49,060 ($55,750 - $6,690)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $3,740 (5% of $74,800 Protected Income Base) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the following Benefit Year anniversary, the Contract Value has been reduced due to a declining market, but the Protected Income Base and Enhancement Base are unchanged: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $48,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $3,740 (5% x $74,800) </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">In a declining market, Excess Withdrawals may significantly reduce your Protected Income Base, Enhancement Base, 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 either the Contract Value or the Protected Income Base is reduced to zero due to an Excess Withdrawal, the rider will terminate. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 RMDs to apply, the following must occur: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lincoln’s automatic withdrawal service is used to calculate and pay the RMD; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The RMD calculation must be based only on the value in this Contract; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No withdrawals other than the RMD are made within the Benefit Year (except as described in the next paragraph); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4. This Contract is not a beneficiary IRA; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5. The younger of you or the Secondary Life (joint life option) reach the youngest age on the Rate Sheet. </span><span style="font-family:Arial Narrow;font-size:10pt;">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. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">If a withdrawal other than an RMD is made during the Benefit Year, then all </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">amounts withdrawn in excess of the Protected Annual Income amount, including amounts attributable to the RMD, will be treated as Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 Federal Tax Matters for information on determining what amounts are includable in gross income.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-8.5pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;"> Advantage </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage is a Living Benefit Rider that provides: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed lifetime periodic withdrawals for you (and the Secondary Life if the joint life option is selected) up to the Protected Annual Income amount which is based upon a Protected Income Base; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An Enhancement amount added to the Protected Income Base if certain criteria are met, as set forth below; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Age-based increases to the Protected Annual Income amount (after reaching a higher age-band and after an Account Value Step-up). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income payments are based upon specified percentages of the Protected Income Base which are age-based and may increase over time. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note any withdrawals made prior to the youngest age on the Rate Sheet, or that exceed the Protected Annual Income amount are considered Excess Withdrawals. Additionally, Advisory Fee Withdrawals that exceed the Advisory Fee withdrawal percentage and 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 also considered Excess Withdrawals. Excess Withdrawals may significantly reduce your Protected Income Base and Enhancement Base by an amount greater than the dollar amount of the Excess Withdrawal, and will terminate the rider if the Protected Income Base if reduced to zero. As a result, the Protected Income Amount would be reduced as well. Withdrawals, including the portion of cumulative Advisory Fee Withdrawals over 1.25%, will also negatively impact the availability of an Enhancement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. Under the Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage rider, the Secondary Life must be the spouse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit Year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 RMDs to apply, the following must occur: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lincoln’s automatic withdrawal service is used to calculate and pay the RMD; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The RMD calculation must be based only on the value in this Contract; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No withdrawals other than the RMD are made within the Benefit Year (except as described in the next paragraph); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This Contract is not a beneficiary IRA; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The younger of you or the Secondary Life (joint life option) reach the youngest age on the Rate Sheet. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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 the RMD, will be treated as Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 Federal Tax Matters for information on determining what amounts are includable in gross income. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Annual Income Payout Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income Payout Option (“PAIPO”) is an Annuity Payout option under which the Contractowner (and joint life if applicable) will receive annuity payments equal to the Protected Annual Income amount for life. This option is different from other Annuity Payout options, including </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Select Guaranteed Income Benefit, 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contractowners may decide to choose the PAIPO over </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Select Guaranteed Income Benefit if they feel this may provide a higher final payment over time and they place more importance on this payment over access to the Account Value. 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 the Secondary Life for the joint life option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you are receiving the PAIPO, the Beneficiary may be eligible to receive final payment upon death of the single life or surviving joint life. If the Contract Value Death Benefit option was in effect immediately prior to electing the PAIPO, the Beneficiary will not be eligible to receive the final payment(s). The final payment is a one-time lump-sum payment. If the effective date of the rider is the same as the effective date of the Contract, the final payment will be equal to the sum of all Purchase Payments, decreased by withdrawals. If the effective date of the rider is after the effective date of the Contract, the final payment will be equal to the Contract Value on the effective date of the rider, increased for Purchase Payments received after the rider effective date and decreased by withdrawals. Excess Withdrawals reduce the final payment in the same proportion as the withdrawals reduce the Contract Value; withdrawals less than or equal to the Protected Annual Income amount and payments under the PAIPO will reduce the final payment dollar for dollar. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Prior to the Selection of an Annuity Payout Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage has no provision for a payout of the Protected Income Base or Enhancement Base upon death of the Contractowner or Annuitant and provides no increase in the Death Benefit value 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 earlier in this prospectus) will be in effect. Election of Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 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 Benefits Available Under the Contract – Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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, Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. Owners of contracts issued in Florida who elected their rider prior to February 20, 2018, may terminate their rider at any time after the first Benefit Year anniversary. Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage will automatically terminate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the selection of an Annuity Payout option (except payments under the Protected Annual Income Payout Option will continue if applicable); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon death under the single life option or the death of the Secondary Life under the joint life option; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">when the Protected Income Base or Contract Value is reduced to zero due to an Excess Withdrawal; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if the Contractowner or Annuitant is changed (except if the surviving Secondary Life 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; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the date the Contractowner is changed pursuant to an enforceable divorce agreement or decree; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon surrender or termination of the underlying annuity contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The termination will not result in any increase in Contract Value equal to the Protected Income Base or Enhancement Base. Upon effective termination of this rider, the benefit and charges within this rider will terminate. If you terminate the rider, we reserve the right to require a 12-month wait after this termination before you can elect any Living Benefit Rider available for purchase at that time. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Advantage Guaranteed Income Benefit option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contractowners who elect Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Market Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage may decide to later transition to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Select Guaranteed Income Benefit. This transition must be made prior to the maximum age limit and prior to the selection of an Annuity Payout option. You cannot have both </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage and another Living Benefit Rider in effect on your Contract at the same time. See </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage Guaranteed Income Benefit Transitions for a discussion of this transition.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Income Base and Enhancement Base.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Protected Income Base is a value used to calculate your Protected Annual Income amount. The initial Protected Income Base was established when you elected your rider. If you elected the rider at the time you purchased the Contract, the initial Protected Income Base equaled your initial Purchase Payment. If you elected the rider after the Contract was issued, the initial Protected Income Base equaled the Contract Value on the effective date of the rider. The Protected Income Base is increased by subsequent Purchase Payments, Enhancements, and Account Value Step-ups, and decreased by Excess 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 Secondary Life if joint life option) are the covered lives. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Riders elected on and after February 20, 2018, and subject to state availability, have an Enhancement Base, the value used to calculate the amount that may be added to the Protected Income Base upon an Enhancement. The Enhancement Base is equal to the Protected Income Base on the effective date of the rider, increased by subsequent Purchase Payments and Account Value Step-ups, and decreased by Excess Withdrawals in accordance with the provisions set forth below. The Enhancement Base is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> increased by an Enhancement. Riders elected prior to February 20, 2018 do not have an Enhancement Base but will use the Protected Income Base to determine the Enhancement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Neither the Protected Income Base nor the Enhancement Base is available to you as a lump sum withdrawal or as a Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional Purchase Payments received after the rider effective date automatically increase the Protected Income Base (not to exceed the maximum Protected Income Base) and Enhancement Base by the amount of the Purchase Payment. 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 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 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 or Enhancement Base for purposes of calculating the Enhancement on the first Benefit Year anniversary. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After the first anniversary of the rider effective date, once cumulative additional Purchase Payments exceed $100,000, additional Purchase Payments may not exceed $50,000 per Benefit Year without Home Office approval. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Additional Purchase Payments will not be allowed if the Contract Value decreases to zero for any reason, including market loss. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Excess Withdrawals, including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year, reduce the Protected Income Base and Enhancement Base as discussed below. The reduction to the Protected Income Base 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 or Enhancement Base. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You are eligible for an increase in the Protected Income Base through an Enhancement on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. the Contractowner/Annuitant (as well as the Secondary Life if the joint life option is in effect) is under age 86; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. there were no withdrawals in the preceding Benefit Year, including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. the rider is within the Enhancement Period (described below); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. the Protected Income Base after the Enhancement amount is added would be greater than the Contract Value on the same Benefit Year anniversary; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e. the Enhancement Base, if applicable, is greater than zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 or the Enhancement Base are not reduced by Purchase Payments received in the first 90 days after the rider effective date for determining the Enhancement Amount. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Enhancement rate that was applicable at the time you elected your rider was set forth in a Rate Sheet prospectus supplement. The Rate Sheet indicates the Enhancement rate and the date by which your application or rider election form had to be signed and dated for a rider to be issued with this rate. Enhancement rates for previous effective periods are included in Appendix F to this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">During the first ten Benefit Years, an increase in the Protected Income Base as a result of the Enhancement will not cause an increase in the annual protected lifetime income fee rate but will increase the dollar amount of the fee. After the tenth Benefit Year anniversary, if the Enhancement Period has renewed, the annual rate may increase each time the Protected Income Base increases as a result of the Enhancement. If you decline an Enhancement, you will continue to be eligible for an Enhancement starting on the next Benefit Year anniversary as long as you meet the conditions listed above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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 or an Advisory Fee Withdrawal in excess of the Advisory Fee Withdrawal percentage) 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following is an example of the impact of the 5% Enhancement on the Protected Income Base and assumes that no withdrawals have been made: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Initial Purchase Payment = $100,000; Protected Income Base = $100,000; Enhancement Base = $100,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional Purchase Payment on day 30 = $15,000; Protected Income Base = $115,000; Enhancement Base = $115,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 will not be less than $120,750 (= $100,000 x 1.05 + $15,000 x 1.05). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Consider a further additional Purchase Payment on day 95 of $10,000; Protected Income Base = $125,000; Enhancement Base = $125,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This additional Purchase Payment is not eligible for the Enhancement on the first Benefit Year anniversary because it was received after the first 90 days after the effective date of the rider. It will not be eligible for an Enhancement until the second Benefit Year anniversary. Therefore, on the first Benefit Year anniversary, the Protected Income Base will not be less than $130,750 (= $100,000 x 1.05 + $15,000 x 1.05 + $10,000). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As explained below, 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An example of the impact of a withdrawal on the Enhancement is included in the Withdrawal Amount section below.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement Period. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The original Enhancement Period is up to a 10-year period that began on the effective date of the rider. For riders elected on and after February 20, 2018, and subject to state availability, a new Enhancement Period begins 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. Riders elected prior to February 20, 2018 (April 2, 2018 if elected after the contract effective date), and subject to state availability, only have one 10-year Enhancement Period. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Account Value Step-ups. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Income Base and Enhancement Base will automatically step up to the Contract Value on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contractowner/Annuitant (single life option), or the Contractowner/Annuitant and Secondary Life (joint life option) are under age 86; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contract Value on that Benefit Year anniversary, after the deduction of any withdrawals (including the protected lifetime income fee, account fee and Advisory Fee Withdrawals in excess of 1.25% of your Contract Value), plus any Purchase Payments made on that date is equal to or greater than the Protected Income Base after an Enhancement (if any). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For riders elected on or after February 20, 2018 (April 2, 2018 if elected after the contract effective date), and subject to state availability, each time the Account Value Step-up occurs, a new Enhancement Period begins. The Account Value Step-up is available even in those years when a withdrawal has occurred. </span><span style="font-family:Arial Narrow;font-size:10pt;">The 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. See Charges,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Other Deductions,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and Adjustments – Protected Lifetime Income Fees for details. If you decline an Account Value Step-up, you will continue to be eligible for an Enhancement through the end of the Enhancement Period, including in the year you declined the Account Value Step-up, as long as you meet the conditions listed above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Following is an example of how the Account Value Step-up and the 5% Enhancements impact the Protected Income Base (assuming no withdrawals or additional Purchase Payments):</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:480pt;"> <tr style="height:19.75pt;"> <td style="vertical-align:Bottom;width:306.39pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:13.48%;margin-right:13.48%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value</span></div></div></div></td> <td style="vertical-align:Bottom;width:129.11pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.65%;margin-right:18.59%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Income Base</span></div></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:306.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">At issue</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">50,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:129.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">50,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:306.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">54,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:129.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">54,000</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:306.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">53,900</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:129.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">56,700</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the first Benefit Year anniversary, the Account Value Step-up increased the Protected Income Base to the Contract Value of $54,000 since the increase in the Contract Value is greater than the 5% Enhancement amount of $2,500 (5% of $50,000). On the second Benefit Year anniversary, the 5% Enhancement provided a larger increase (5% of $54,000 = $2,700). The 5% Enhancement or an Account Value Step-up cannot increase the Protected Income Base beyond the maximum Protected Income Base of $10 million.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Amount. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income withdrawals are available at the youngest age on the Rate Sheet. 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, these withdrawals may be taken for your lifetime (single life option) or the lifetimes of you and your Secondary Life (joint life option). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition to the Protected Annual Income amount, you may take Advisory Fee Withdrawals of up to 1.25% of your Contract Value annually without that withdrawal being considered a withdrawal under your Living Benefit Rider. Certain states and certain broker-dealers or advisory firms may not allow withdrawals to pay advisory fees so please check with your financial professional. The portion of any Advisory Fee Withdrawal in excess of 1.25% of your Contract Value will reduce the amount of available Protected Annual Income each year and will be considered a withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income amount is determined by multiplying the Protected Income Base by the applicable rate, based on your age and whether the single or joint life option has been elected. Under the joint life option, the younger age of you or the Secondary Life will be used. The Protected Annual Income amount will change upon an Account Value Step-up, an Enhancement, additional Purchase Payments, and Excess Withdrawals, as described below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income rates that were applicable at the time you elected your rider were 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 had to be signed and dated for a rider to be issued with those rates. Rate information for previous effective periods is included in an Appendix to this prospectus. </span><span style="font-family:Arial Narrow;font-size:10pt;">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 </span><span style="font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">not</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">been a subsequent Account Value Step-up, then the Protected Annual Income rate will not increase until the next Account Value Step-up occurs. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 the Secondary Life’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 or Enhancement Base in a lump sum. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Cumulative withdrawals during a Benefit Year that are equal to or less than the Protected Annual Income amount will not reduce the Protected Income Base or Enhancement Base. All withdrawals will decrease the Contract Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 and the Contract Value. The example assumes a 5% Enhancement, a 4% Protected Annual Income rate, and a Contract Value of $200,000:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:107.25pt;width:313.5pt;"> <tr style="height:12.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value on the rider’s effective date</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base on the rider’s </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Protected Annual Income amount on the rider’s effective </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">date ($200,000 x 4%)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">8,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value six months after rider’s effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">210,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base six months after </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">rider’s effective date</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawal six months after the rider’s effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">8,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value after withdrawal ($210,000 - $8,000)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">202,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base after withdrawal </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">($200,000 - $0)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value on the first Benefit Year anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">205,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base on the first Benefit </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Year anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">205,000</span></div></div></div></td></tr> <tr style="height:23.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Annual Income amount on the first Benefit Year </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">anniversary ($205,000 x 4%)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">8,200</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 and the Enhancement 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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. For example, assuming a Contractowner has a Protected Annual Income amount of $8,000 (4% of $200,000 Protected Income Base), an additional Purchase Payment of $10,000 increases the Protected Annual Income amount that Benefit Year to $8,400 ($8,000 + 4% of $10,000). The Protected Annual Income payment amount will be recalculated immediately after a Purchase Payment is added to the Contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Excess Withdrawals are: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawals made prior to the youngest age on the Rate Sheet; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawals that are payable to any assignee or assignee’s bank account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advisory Fee Withdrawals that exceed the Advisory Fee Withdrawal percentage where it was made prior to age 55, or that exceed the Protected Annual Income amount are considered Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When an Excess Withdrawal occurs: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Protected Income Base and Enhancement Base are reduced by the same proportion that the Excess Withdrawal reduces the Contract Value. This means that the reduction in the Protected Income Base and Enhancement Base could be more than the dollar amount of the withdrawal; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 financial professional or call us at the number provided in this prospectus if you have any questions about Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following example demonstrates the impact of an Excess Withdrawal on the Protected Income Base, the Enhancement Base, the Protected Annual Income amount, and the Contract Value. The example assumes a 5% Protected Annual Income rate and a $10,940 withdrawal, which causes a $10,200 reduction in the Protected Income Base and Enhancement Base. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Prior to Excess Withdrawal:</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $60,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $4,250 (5% of the Protected Income Base of $85,000) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After a $10,940 withdrawal ($4,250 is within the Protected Annual Income amount, $6,690 is the Excess Withdrawal):</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Contract Value is reduced by the amount of the Protected Annual Income amount of $4,250 and the Protected Income Base and Enhancement Base are not reduced:</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $55,750 ($60,000 - $4,250)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $85,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Contract Value is also reduced by the $6,690 Excess Withdrawal and the Protected Income Base and Enhancement Base are reduced by approximately 12%, the same proportion by which the Excess Withdrawal reduced the $55,750 Contract Value ($6,690 / $55,750). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $49,060 ($55,750 - $6,690)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $3,740 (5% of $74,800 Protected Income Base) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the following Benefit Year anniversary: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $48,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $3,740 (5% x $74,800) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">In a declining market, Excess Withdrawals may significantly reduce your Protected Income Base, Enhancement Base, 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.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Lincoln</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;"> Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:7.5pt;font-weight:bold;position:relative;top:-5pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-style:italic;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Advantage </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage is a Living Benefit Rider that provides: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed lifetime periodic withdrawals for you (and the Secondary Life if the joint life option is selected) up to the Protected Annual Income amount which is based upon a guaranteed Protected Income Base; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An Enhancement amount added to the Protected Income Base if certain criteria are met, as set forth below; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 an Enhancement; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Age-based increases to the Protected Annual Income amount (after reaching a higher age-band and after an Account Value Step-up). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income payments are based upon specified percentages of the Protected Income Base, which are age-based and may increase over time. 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 the Secondary Life, if the joint life option is chosen. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note any withdrawals made prior to the youngest age 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 also considered Excess Withdrawals. Excess Withdrawals may significantly reduce your Protected Income Base and Enhancement Base 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. As a result, the Protected Income Amount would be reduced as well. Withdrawals, including the portion of cumulative Advisory Fee Withdrawals over 1.25%, will also negatively impact the availability of an Enhancement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. Under the Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage rider, the Secondary Life must be the spouse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit Year.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 RMDs to apply, the following must occur: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lincoln’s automatic withdrawal service is used to calculate and pay the RMD; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The RMD calculation must be based only on the value in this Contract; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No withdrawals other than the RMD are made within the Benefit Year (except as described in the next paragraph); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This Contract is not a beneficiary IRA; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The younger of you or the Secondary Life (joint life option) reach the youngest age on the Rate Sheet. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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 the RMD, will be treated as Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 Federal Tax Matters for information on determining what amounts are includable in gross income. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Annual Income Payout Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income Payout Option (“PAIPO”) is an Annuity Payout option under which the Contractowner (and Secondary Life if applicable) will receive annuity payments equal to the Protected Income Base multiplied by the Protected Annual Income rate shown in Table B of your Rate Sheet, for life. This option is different from other Annuity Payout options, including </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 lives of you and the Secondary Life for the joint life option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you are receiving the PAIPO, the Beneficiary may be eligible to receive final payment upon death of the single life or surviving joint life. If the Contract Value Death Benefit option was in effect immediately prior to electing the PAIPO, the Beneficiary will not be eligible to receive the final payment. If the effective date of the rider is the same as the effective date of the Contract, the final payment will be equal to the sum of all Purchase Payments, decreased by withdrawals. If the effective date of the rider is after the effective date of the Contract, the final payment will be equal to the Contract Value on the effective date of the rider, increased for Purchase Payments received after the rider effective date and decreased by withdrawals. Excess Withdrawals reduce the final payment in the same proportion as the withdrawals reduce the Contract Value; withdrawals less than or equal to the Protected Annual Income amount and payments under the PAIPO will reduce the final payment dollar for dollar. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Prior to the Selection of an Annuity Payout Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage has no provision for a payout of the Protected Income Base or Enhancement Base upon death of the Contractowner or Annuitant and provides no increase in the Death Benefit value 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 earlier in this prospectus) will be in effect. Election of Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 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 Benefits Available Under the Contract – Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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, Lincoln </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage 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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Max 6 Select</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">SM</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage will automatically terminate:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the selection of an Annuity Payout option (except payments under the Protected Annual Income Payout Option will continue if applicable); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon death under the single life option or the death of the Secondary Life under the joint life option; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon election of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">i4LIFE</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Advantage; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">when the Protected Income Base or Contract Value is reduced to zero due to an Excess Withdrawal; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if the Contractowner or Annuitant is changed (except if the Secondary Life 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; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the date the Contractowner is changed pursuant to an enforceable divorce agreement or decree; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">upon surrender or termination of the underlying annuity contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The termination will not result in any increase in Contract Value equal to the Protected Income Base. Upon effective termination of this rider, the benefit and charges within this rider will terminate. If you terminate the rider, we reserve the right to require a 12-month wait after this termination before you can elect any Living Benefit Rider available for purchase at that time. </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protected Income Base and Enhancement Base.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Protected Income Base is a value used to calculate your Protected Annual Income amount. The initial Protected Income Base was established when you elected your rider. If you elected the rider at the time you purchased the Contract, the initial Protected Income Base equaled your initial Purchase Payment. If you elected the rider after the Contract was issued, the initial Protected Income Base equaled the Contract Value on the effective date of the rider. The Protected Income Base is increased by subsequent Purchase Payments, Enhancements, and Account Value Step-ups, and decreased by Excess 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 Secondary Life if joint life option) are the covered lives. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Enhancement Base is the value used to calculate the amount that may be added to the Protected Income Base upon an Enhancement. The Enhancement Base is equal to the Protected Income Base on the effective date of the rider, increased by subsequent Purchase Payments and Account Value Step-ups, and decreased by Excess Withdrawals in accordance with the provisions set forth below. The Enhancement Base is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> increased by an Enhancement. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Neither the Protected Income Base nor the Enhancement Base is available to you as a lump sum withdrawal or as a Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 Enhancement Base and will result in an increased Protected </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Annual Income amount 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 Enhancement Base for purposes of calculating the Enhancement on the first Benefit Year anniversary. </span><span style="font-family:Arial Narrow;font-size:10pt;">After the first anniversary of the rider effective date, once cumulative additional Purchase Payments exceed $100,000, additional Purchase Payments may not exceed $50,000 per Benefit Year without Home Office approval. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Additional Purchase Payments will not be allowed if the Contract Value decreases to zero for any reason, including due to market loss. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Excess Withdrawals, including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year, reduce the Protected Income Base and Enhancement Base as discussed below. The reduction to the Protected Income Base 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 or Enhancement Base. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You are eligible for an increase in the Protected Income Benefit through an Enhancement on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. the Contractowner/Annuitant (as well as the Secondary Life if the joint life option is in effect) is under age 86; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. there are no withdrawals in the preceding Benefit Year, including cumulative Advisory Fee Withdrawals in excess of 1.25% of your Contract Value for that Contract Year; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. the rider is within the Enhancement Period (described below); </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. the Protected Income Base after the Enhancement amount is added would be greater than the Contract Value on the same Benefit Year anniversary; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e. the Enhancement Base is greater than zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Enhancement equals the Enhancement Base, minus Purchase Payments received in the preceding Benefit Year, multiplied by the Enhancement Rate. The Enhancement Base is not reduced by Purchase Payments received in the first 90 days after the rider effective date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Enhancement rate that was applicable at the time you elected your rider was set forth in a Rate Sheet prospectus supplement. The Rate Sheet indicates the Enhancement rate and the date by which your application or rider election form had to be signed and dated for a rider to be issued with this rate. Enhancement rates for previous effective periods are included in Appendix F to this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">During the first ten Benefit Years, an increase in the Protected Income Base as a result of the Enhancement will not cause an increase in the annual protected lifetime income fee rate but will increase the dollar amount of the fee. After the tenth Benefit Year anniversary, if the Enhancement Period has renewed, the annual rate may increase each time the Protected Income Base increases as a result of the Enhancement. If you decline an Enhancement, you will continue to be eligible for an Enhancement starting on the next Benefit Year anniversary as long as you meet the conditions listed above. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Note: The Enhancement is not available on any Benefit Year anniversary if an Account Value Step-up of the Protected Income Base occurs, or where there has been a withdrawal of Contract Value (including a Protected Annual Income payment or an Advisory Fee Withdrawal in excess of the Advisory Fee Withdrawal percentage) 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following is an example of the impact of a 5% Enhancement on the Protected Income Base and assumes that no withdrawals have been made. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Initial Purchase Payment = $100,000; Protected Income Base = $100,000; Enhancement Base = $100,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional Purchase Payment on day 30 = $15,000; Protected Income Base = $115,000; Enhancement Base = $115,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 will not be less than $120,750 (= $100,000 x 1.05 + $15,000 x 1.05). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Consider a further additional Purchase Payment on day 95 of $10,000; Protected Income Base = $125,000; Enhancement Base = $125,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This additional Purchase Payment is not eligible for the Enhancement on the first Benefit Year anniversary because it was received after the first 90 days after the effective date for the rider. It will not be eligible for an Enhancement until the second Benefit Year anniversary. Therefore, on the first Benefit Year anniversary, the Protected Income Base will not be less than $130,750 (= $100,000 x 1.05 + $15,000 x 1.05 + $10,000). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As explained below, 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An example of the impact of a withdrawal on the Enhancement is included in the Withdrawal Amount section below. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement Period. </span><span style="font-family:Arial Narrow;font-size:10pt;">The original Enhancement Period is up to a 10-year period that began on the effective date of the rider. A new Enhancement Period begins 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Account Value Step-ups. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Income Base and Enhancement Base will automatically step up to the Contract Value on each Benefit Year anniversary if: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contractowner/Annuitant (single life option), or the Contractowner/Annuitant and Secondary Life (joint life option) are under age 86; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Contract Value on that Benefit Year anniversary, after the deduction of any withdrawals (including the protected lifetime income fee, account fee and Advisory Fee Withdrawals in excess of 1.25% of your Contract Value), plus any Purchase Payments made on that date is equal to or greater than the Protected Income Base after an Enhancement (if any). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each time the Account Value Step-up occurs a new Enhancement Period starts. The Account Value Step-up is available even in those years when a withdrawal has occurred. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The 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. See Protected Lifetime Income Fees for details. If you decline an Account Value Step-up, you will continue to be eligible for an Enhancement as long as you meet the conditions listed above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Following is an example of how the Account Value Step-up and a 5% Enhancement impact the Protected Income Base (assuming no withdrawals or additional Purchase Payments):</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:480pt;"> <tr style="height:19.75pt;"> <td style="vertical-align:Bottom;width:306.39pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:44.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:13.48%;margin-right:13.48%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value</span></div></div></div></td> <td style="vertical-align:Bottom;width:129.11pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.65%;margin-right:18.59%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Protected Income Base</span></div></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:306.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">At issue</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">50,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:129.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">50,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:306.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">54,000</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:129.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">54,000</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:306.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:48pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Benefit Year anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:44.5pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.5pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">53,900</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:129.11pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:24pt;text-align:right;width:75.11pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:34.5pt;">56,700</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the first Benefit Year anniversary, the Account Value Step-up increased the Protected Income Base to the Contract Value of $54,000 since the increase in the Contract Value is greater than the 5% Enhancement amount of $2,500 (5% of $50,000). On the second Benefit Year anniversary, the 5% Enhancement provided a larger increase (5% of $54,000 = $2,700). The 5% Enhancement or an Account Value Step-up cannot increase the Protected Income Base beyond the maximum Protected Income Base of $10 million.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Amount. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income withdrawals are available at the youngest age on the Rate Sheet. 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 the Secondary Life (joint life option) but will be reduced if your Contract Value is reduced to zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition to the Protected Annual Income amount, you may take Advisory Fee Withdrawals of up to 1.25% of your Contract Value annually without that withdrawal being considered a withdrawal under your Living Benefit Rider. Certain states and certain broker-dealers or advisory firms may not allow withdrawals to pay advisory fees so please check with your financial professional. The portion of any Advisory Fee Withdrawal in excess of 1.25% of your Contract Value will reduce the amount of available Protected Annual Income each year and will be considered a withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income amount is determined by multiplying the Protected Income Base by the applicable rate, based on your age and whether the single or joint life option has been elected and whether or not your Contract Value has been reduced to zero. Under the joint life option, the younger age of you or the Secondary Life 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Annual Income rates that were applicable at the time you elected your rider were 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 had to be signed and dated for a rider to be issued with those rates. Rate information for previous effective periods is included in an Appendix to this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income payments are not available until you have reached the youngest age on the Rate Sheet. 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 payable for the remainder of the year, the difference for the remainder of that Benefit Year is payable in a lump sum. Otherwise, you will not be able to receive further Protected Annual Income payments until the next Benefit Year anniversary when scheduled payments automatically resume. Withdrawals equal to the Protected Annual Income amount will continue for your life (and the Secondary Life’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 or Enhancement Base in a lump sum. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Cumulative withdrawals during a Benefit Year that are equal to or less than the Protected Annual Income amount will not reduce the Protected Income Base or Enhancement Base. All withdrawals will decrease the Contract Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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, and the Contract Value. The example assumes a 5% Enhancement, a 4% Protected Annual Income rate, and a Contract Value of $200,000:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:107.25pt;width:313.5pt;"> <tr style="height:12.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value on the rider’s effective date</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base on the rider’s </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Protected Annual Income amount on the rider’s effective </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">date ($200,000 x 4%)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">8,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value six months after rider’s effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">210,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base six months after </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">rider’s effective date</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawal six months after rider’s effective date</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">8,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value after withdrawal ($210,000 - $8,000)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">202,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base after withdrawal </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">($200,000 - $0)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">200,000</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value on the first Benefit Year anniversary</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">205,000</span></div></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:azure;vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Income Base and Enhancement Base on the first Benefit </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">Year anniversary</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">205,000</span></div></div></div></td></tr> <tr style="height:23.5pt;"> <td style="vertical-align:Bottom;width:270pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Annual Income amount on the first Benefit Year </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.00pt;">anniversary ($205,000 x 4%)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:43.5pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:37.5pt;"> <div style="display:flex;margin:auto;width:39.5pt;"> <div style="display:flex;white-space:nowrap;width:39.5pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:39.5pt;">8,200</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 and the Enhancement 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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancements and Account Value Step-up 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. 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. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Excess Withdrawals are: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawals made prior to the youngest age on the Rate Sheet; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">withdrawals that are payable to any assignee or assignee’s bank account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Advisory Fee Withdrawals that exceed the Advisory Fee Withdrawal percentage where it was made prior to the youngest age on the Rate Sheet or that exceed the Protected Annual Income amount are considered Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When an Excess Withdrawal occurs: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Protected Income Base and Enhancement Base are reduced by the same proportion that the Excess Withdrawal reduces the Contract Value. This means that the reduction in the Protected Income Base and Enhancement Base could be more than the dollar amount of the withdrawal; and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 financial professional or call us at the number provided in this prospectus if you have any questions about Excess Withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following example demonstrates the impact of an Excess Withdrawal on the Protected Income Base, the Enhancement Base, the Protected Annual Income amount, and the Contract Value. The example assumes a 5% Protected Annual Income rate and a $10,940 withdrawal, which causes a $10,200 reduction in the Protected Income Base and Enhancement Base. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Prior to Excess Withdrawal:</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $60,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $4,250 (5% of the Protected Income Base of $85,000) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">After a $10,940 withdrawal ($4,250 is within the Protected Annual Income amount, $6,690 is the Excess Withdrawal):</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Contract Value is reduced by the amount of the Protected Annual Income amount of $4,250 and the Protected Income Base and Enhancement Base are not reduced: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $55,750 ($60,000 - $4,250)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $85,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $85,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Contract Value is also reduced by the $6,690 Excess Withdrawal and the Protected Income Base and Enhancement Base are reduced by approximately 12%, the same proportion by which the Excess Withdrawal reduced the $55,750 Contract Value ($6,690 / $55,750). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $49,060 ($55,750 - $6,690)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $74,800 ($85,000 x 12% = $10,200; $85,000 - $10,200 = $74,800)</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $3,740 (5% of $74,800 Protected Income Base) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the following Benefit Year anniversary: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract Value = $48,000</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Income Base = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Enhancement Base = $74,800</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Protected Annual Income amount = $3,740 (5% x $74,800) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">In a declining market, Excess Withdrawals may significantly reduce your Protected Income Base, Enhancement Base, 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.</span>