0001093278 2026-07-10 2026-07-10 0001093278 ck0001093278:CalamosUSEquityAutocallableVIPFundClassIIMember 2026-07-10 2026-07-10 pure 2026-07-10 N-4 N-4 Lincoln New York Account N for Variable Annuities <div> <span style="font-family: Arial; font-size: 10.0pt;">The changes described in this Supplement affect: </span> </div> <div style="font-size: 10pt;">  </div> <div style="margin-left: 54.300003pt; font-size: 10pt;"> <div style="float: left; text-align: right;"> <span style=" font-size: 10.0pt; min-width: 18.0pt; display: inline-block; text-align: left;">●</span> </div> <div style="margin-left: 18.0pt;"> <span style="font-family: Arial; font-size: 10.0pt;">Appendix A – Investment Options Available Under The Contract; and</span> </div> </div> <div style="margin-left: 54.300003pt; font-size: 10pt; clear: both;"> <div style="float: left; text-align: right;"> <span style=" font-size: 10.0pt; min-width: 18.0pt; display: inline-block; text-align: left;">●</span> </div> <div style="margin-left: 18.0pt;"> <span style="font-family: Arial; font-size: 10.0pt;">Appendix B – Investment Requirements. </span> </div> </div> <div style="font-size: 10pt; clear: both;">  </div> <div> <span style="font-family: Arial; font-size: 10.0pt; font-weight: bold; text-decoration: underline;">Appendix A – Investment Options Available Under The Contract: </span> </div> <div style="font-size: 10pt;">  </div> <div> <span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">Addition of a New Investment Option: </span><span style="font-family: Arial; font-size: 10.0pt;">On or about August 17, 2026, the following fund will be added as an investment option under your Contract: </span> </div> <div style="font-size: 11pt;">  </div> <table style="font-size: 12pt; border-spacing: 0px; border-collapse: collapse; margin-left: auto; margin-right: auto;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 157.5pt;">  </td> <td style="width: 157.5pt;">  </td> <td style="width: 54pt;">  </td> <td style="width: 58.5pt;">  </td> <td style="width: 49.5pt;">  </td> <td style="width: 54pt;">  </td> </tr> <tr style="vertical-align: top;"> <td rowspan="2" style="padding: 0; width: 157.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt; font-weight: bold;">Investment Objective</span> </div> </td> <td rowspan="2" style="padding: 0; width: 157.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt; font-weight: bold;">Fund and Adviser/Sub-adviser</span> </div> </td> <td rowspan="2" style="padding: 0; width: 54pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt; font-weight: bold;">Current Expenses</span> </div> </td> <td colspan="3" style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt; font-weight: bold;">Average Annual Total</span> </div> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt; font-weight: bold;">Returns (as of 12/31/2025)</span> </div> </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0; width: 58.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt;">1 Year</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt;">5 Year</span> </div> </td> <td style="padding: 0; width: 54pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt;">10 Year</span> </div> </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0; width: 157.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div> <span style="font-family: Arial; font-size: 10.0pt;">To generate high income while providing reduced downside risk through exposure to the MerQube US Large-Cap Vol Advantage Autocallable VIP Index (the “Autocallable Index”). </span> </div> </td> <td style="padding: 0; width: 157.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">Calamos U.S. Equity Autocallable VIP Fund – Class II</span> </div> </td> <td style="padding: 0; width: 54pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">1.16%*</span> </div> </td> <td style="padding: 0; width: 58.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </div> </td> <td style="padding: 0; width: 54pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </div> </td> </tr> </table> <div style="font-size: 10pt;">  </div> <div> <span style="font-family: Arial; font-size: 8.0pt;">*This fund is subject to an expense reimbursement or fee waiver arrangement. As a result, the fund’s annual expenses reflect temporary expense reductions.</span> </div> <div style="font-size: 10pt;">  </div> <div> <span style="font-family: Arial; font-size: 10.0pt;">For more complete information about the fund, including its principal investment strategies and principal risks, please refer to the underlying fund prospectus. </span> </div> <div style="font-size: 10pt;">  </div> <div> <span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">Funds Closed to New Investors: </span><span style="font-family: Arial; font-size: 10.0pt;">Effective August 17, 2026, the </span><span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">LVIP American Century International Fund</span><span style="font-family: Arial; font-size: 10.0pt;"> will no longer be available for Contracts purchased on or after that date. </span> </div> <div style="font-size: 10pt;">  </div> <div> <span style="font-family: Arial; font-size: 10.0pt; font-weight: bold; text-decoration: underline;">Appendix B – Investment Requirements: </span> </div> <div style="font-size: 10pt;">  </div> <div> <span style="font-family: Arial; font-size: 10.0pt;">Effective August 17, 2026, the </span><span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">American Century Diversified Growth Model</span><span style="font-family: Arial; font-size: 10.0pt;"> will no longer be available for Contracts purchased on or after that date.</span> </div> <div> <span style="font-family: Arial; font-size: 10.0pt;">The changes described in this Supplement affect: </span> </div><div style="float: left; text-align: right;"> <span style=" font-size: 10.0pt; min-width: 18.0pt; display: inline-block; text-align: left;">●</span> </div><div style="margin-left: 18.0pt;"> <span style="font-family: Arial; font-size: 10.0pt;">Appendix A – Investment Options Available Under The Contract; and</span> </div><div style="float: left; text-align: right;"> <span style=" font-size: 10.0pt; min-width: 18.0pt; display: inline-block; text-align: left;">●</span> </div><div style="margin-left: 18.0pt;"> <span style="font-family: Arial; font-size: 10.0pt;">Appendix B – Investment Requirements. </span> </div><div> <span style="font-family: Arial; font-size: 10.0pt; font-weight: bold; text-decoration: underline;">Appendix A – Investment Options Available Under The Contract: </span> </div> <table style="font-size: 12pt; border-spacing: 0px; border-collapse: collapse; margin-left: auto; margin-right: auto;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 157.5pt;">  </td> <td style="width: 157.5pt;">  </td> <td style="width: 54pt;">  </td> <td style="width: 58.5pt;">  </td> <td style="width: 49.5pt;">  </td> <td style="width: 54pt;">  </td> </tr> <tr style="vertical-align: top;"> <td rowspan="2" style="padding: 0; width: 157.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt; font-weight: bold;">Investment Objective</span> </div> </td> <td rowspan="2" style="padding: 0; width: 157.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt; font-weight: bold;">Fund and Adviser/Sub-adviser</span> </div> </td> <td rowspan="2" style="padding: 0; width: 54pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt; font-weight: bold;">Current Expenses</span> </div> </td> <td colspan="3" style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt; font-weight: bold;">Average Annual Total</span> </div> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt; font-weight: bold;">Returns (as of 12/31/2025)</span> </div> </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0; width: 58.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt;">1 Year</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt;">5 Year</span> </div> </td> <td style="padding: 0; width: 54pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial Narrow; font-size: 11.0pt;">10 Year</span> </div> </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0; width: 157.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div> <span style="font-family: Arial; font-size: 10.0pt;">To generate high income while providing reduced downside risk through exposure to the MerQube US Large-Cap Vol Advantage Autocallable VIP Index (the “Autocallable Index”). </span> </div> </td> <td style="padding: 0; width: 157.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">Calamos U.S. Equity Autocallable VIP Fund – Class II</span> </div> </td> <td style="padding: 0; width: 54pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">1.16%*</span> </div> </td> <td style="padding: 0; width: 58.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </div> </td> <td style="padding: 0; width: 54pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </div> </td> </tr> </table> To generate high income while providing reduced downside risk through exposure to the MerQube US Large-Cap Vol Advantage Autocallable VIP Index (the “Autocallable Index”). <span style="font-family: Arial; font-size: 10.0pt;">Calamos U.S. Equity Autocallable VIP Fund – Class II</span> 0.0116 This fund is subject to an expense reimbursement or fee waiver arrangement. As a result, the fund’s annual expenses reflect temporary expense reductions. <div> <span style="font-family: Arial; font-size: 10.0pt; font-weight: bold; text-decoration: underline;">Appendix B – Investment Requirements: </span> </div><div> <span style="font-family: Arial; font-size: 10.0pt;">Effective August 17, 2026, the </span><span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">American Century Diversified Growth Model</span><span style="font-family: Arial; font-size: 10.0pt;"> will no longer be available for Contracts purchased on or after that date.</span> </div> 0001093278 false