0001048606 2026-10-02 2026-10-02 0001048606 cik0001048606:PutnamVTFocusedUSResearchFundMember 2026-10-02 2026-10-02 0001048606 cik0001048606:LVIPClearBridgeAppreciationFundServiceClassMember 2026-10-02 2026-10-02 0001048606 cik0001048606:LVIPClearBridgeDividendStrategyFundServiceClassMember 2026-10-02 2026-10-02 0001048606 cik0001048606:LVIPClearBridgeLargeCapValueFundServiceClassMember 2026-10-02 2026-10-02 pure 2026-10-02 N-4 N-4 Lincoln Life Variable Annuity Account N <div> <span style="font-family: Arial; font-size: 10.0pt;">The changes described in this Supplement affect Appendix A – Investment Options Available Under The Contract and Appendix B – Investment Requirements. </span> </div> <div style="font-size: 10pt;">  </div> <div> <span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">Fund Name Change: </span><span style="font-family: Arial; font-size: 10.0pt;">Putnam Investment Management LLC, the investment manager of </span><span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">Putnam VT Sustainable Leaders Fund</span><span style="font-family: Arial; font-size: 10.0pt;">, has announced that the fund is expected to be renamed </span><span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">Putnam VT Focused U.S. Research Fund</span><span style="font-family: Arial; font-size: 10.0pt;"> on or about October 5, 2026.</span> </div> <div style="font-size: 10pt;">  </div> <div> <span style="font-family: Arial; font-size: 10.0pt;">Beginning on or about October 5, 2026, all references to </span><span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">Putnam VT Sustainable Leaders Fund</span><span style="font-family: Arial; font-size: 10.0pt;"> in those appendices will be replaced with </span><span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">Putnam VT Focused U.S. Research Fund</span><span style="font-family: Arial; font-size: 10.0pt;">.</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 October 27, 2026, the following funds will be added as investment options 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; width : 100%; "> <tr style="height: 0px; font-size: 0px;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td rowspan="2" style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Investment Objective</span> </td> <td rowspan="2" style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Fund and Adviser/Sub-adviser</span> </td> <td rowspan="2" style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Current Expenses</span> </td> <td colspan="3" style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Average Annual Total Returns (as of 12/31/2025)</span> </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> 1 Year </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> 5 Year </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> 10 Year </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle;"> <div> <span style="font-family: Arial; font-size: 10.0pt;">Long-term capital appreciation. </span> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">LVIP ClearBridge Appreciation Fund – Service Class<br/></span><span style="font-family: Arial; font-size: 10.0pt; font-style: italic;">advised by Lincoln Financial Investments Corporation</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">0.95%*</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">14.19%</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">12.44%</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">13.05%</span> </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle;"> <div> <span style="font-family: Arial; font-size: 10.0pt;">Long-term capital appreciation; current income and income growth is a secondary objective.</span> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">LVIP ClearBridge Dividend Strategy Fund – Service Class<br/></span><span style="font-family: Arial; font-size: 10.0pt; font-style: italic;">advised by Lincoln Financial Investments Corporation</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">1.00%*</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">12.46%</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">11.69%</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">12.29%</span> </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle;"> <div> <span style="font-family: Arial; font-size: 10.0pt;">Long-term growth of capital; current income is a secondary objective.</span> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">LVIP ClearBridge Large Cap Value Fund – Service Class<br/></span><span style="font-family: Arial; font-size: 10.0pt; font-style: italic;">advised by Lincoln Financial Investments Corporation</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">0.97%*</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </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 information about the underlying funds, including its principal investment strategies and principal risks, please refer to the underlying fund prospectus. </span> </div><div style="display: none; text-align: center">2</div><div> <span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">Appendix B – Investment Requirements: </span><span style="font-family: Arial; font-size: 10.0pt; color: #000000;">If you have elected a Living Benefit Rider, you may be subject to the Investment Requirements outlined in the prospectus, according to which Living Benefit Rider you own and when you elected that rider. Please refer to your prospectus to determine if you are subject to Investment Requirements. The changes outlined below are effective for October 27, 2026, and are added to the existing Investment Requirements in your prospectus. All other provisions of Investment Requirements remain unchanged. </span> </div> <div style="font-size: 10pt;">  </div> <div> <span style="font-family: Arial; font-size: 10.0pt; color: #000000; font-weight: bold;">Please note that your Contract may not offer every rider impacted by these requirements. </span> </div> <div style="font-size: 10pt;">  </div> <table style="border-spacing : 0px; border-collapse : collapse; font-family : Calibri; font-size : 11pt; margin-left : auto; width : 100%; margin-right : auto; "> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Applicable Riders/Investment Requirement Option</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Purchase Date Range</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Investment Requirement Change</span> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: left;"> <div> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">Lincoln ProtectedPay Select Core®</span> and <span style="font-style: italic;">Estate Lock℠</span> </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">Lincoln ProtectedPay Select Core®</span> </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">Lincoln ProtectedPay Select Plus®</span> </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">Lincoln ProtectedPay Select Max®</span> </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> Lincoln <span style="font-style: italic;">Market Select®</span> Advantage </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> Lincoln <span style="font-style: italic;">Max 6℠</span> Advantage </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">i4LIFE®</span> Advantage Select Guaranteed Income Benefit </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> Transitions from a Prior Rider to <span style="font-style: italic;">i4LIFE®</span> Advantage Select Guaranteed Income Benefit </div> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; clear: both;"> <div> On or after November 28, 2016 (January 9, 2017 for existing Contractowners) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black;"> <div> The LVIP ClearBridge Appreciation Fund, LVIP ClearBridge Dividend Strategy Fund, and LVIP ClearBridge Large Cap Value Fund will be added to Group 2 (investments cannot exceed 80% of Contract Value or Account Value). </div> </td> </tr> <tr style="vertical-align: top; clear: both;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: left;"> <div> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">i4LIFE® </span>Advantage Select Guaranteed Income Benefit </div> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; clear: both;"> <div> On or after May 21, 2018 and prior to May 18, 2020 </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black;"> <div> The LVIP ClearBridge Appreciation Fund, LVIP ClearBridge Dividend Strategy Fund, and LVIP ClearBridge Large Cap Value Fund will be added to list of funds eligible for 100% allocation of Contract Value or Account Value. </div> </td> </tr> <tr style="vertical-align: top; clear: both;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: left;"> <div> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">i4LIFE®</span> Advantage Guaranteed Income Benefit (version 4) </div> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; clear: both;"> <div> On or after February 8, 2016 and prior to November 28, 2016 (January 9, 2017 for existing Contractowers) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black;"> <div> The LVIP ClearBridge Appreciation Fund, LVIP ClearBridge Dividend Strategy Fund, and LVIP ClearBridge Large Cap Value Fund will be added to Group 2 (investments cannot exceed 70% of Contract Value or Account Value). </div> </td> </tr> </table> <div style="font-size: 8pt; clear: both;">  </div> <div> <span style="font-family: Arial; font-size: 8.0pt;">*Riders elected on or after November 28, 2016 (January 9, 2017 for existing Contractowners) but prior to May 21, 2018.</span> </div> <div> <span style="font-family: Arial; font-size: 10.0pt;">The changes described in this Supplement affect Appendix A – Investment Options Available Under The Contract and Appendix B – Investment Requirements. </span> </div> <span style="font-family: Arial; font-size: 10.0pt; font-weight: bold;">Putnam VT Focused U.S. Research Fund</span> <table style="font-size: 12pt; border-spacing : 0px; border-collapse : collapse; margin-left : auto; margin-right : auto; width : 100%; "> <tr style="height: 0px; font-size: 0px;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: top;"> <td rowspan="2" style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Investment Objective</span> </td> <td rowspan="2" style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Fund and Adviser/Sub-adviser</span> </td> <td rowspan="2" style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Current Expenses</span> </td> <td colspan="3" style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Average Annual Total Returns (as of 12/31/2025)</span> </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> 1 Year </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> 5 Year </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> 10 Year </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle;"> <div> <span style="font-family: Arial; font-size: 10.0pt;">Long-term capital appreciation. </span> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">LVIP ClearBridge Appreciation Fund – Service Class<br/></span><span style="font-family: Arial; font-size: 10.0pt; font-style: italic;">advised by Lincoln Financial Investments Corporation</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">0.95%*</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">14.19%</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">12.44%</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">13.05%</span> </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle;"> <div> <span style="font-family: Arial; font-size: 10.0pt;">Long-term capital appreciation; current income and income growth is a secondary objective.</span> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">LVIP ClearBridge Dividend Strategy Fund – Service Class<br/></span><span style="font-family: Arial; font-size: 10.0pt; font-style: italic;">advised by Lincoln Financial Investments Corporation</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">1.00%*</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">12.46%</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">11.69%</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">12.29%</span> </td> </tr> <tr style="vertical-align: top; height: 21.55pt;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle;"> <div> <span style="font-family: Arial; font-size: 10.0pt;">Long-term growth of capital; current income is a secondary objective.</span> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">LVIP ClearBridge Large Cap Value Fund – Service Class<br/></span><span style="font-family: Arial; font-size: 10.0pt; font-style: italic;">advised by Lincoln Financial Investments Corporation</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">0.97%*</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <span style="font-family: Arial; font-size: 10.0pt;">N/A</span> </td> </tr> </table> Long-term capital appreciation. <span style="font-family: Arial; font-size: 10.0pt;">LVIP ClearBridge Appreciation Fund – Service Class<br/></span> Lincoln Financial Investments Corporation 0.0095 0.1419 0.1244 0.1305 <span style="font-family: Arial; font-size: 10.0pt;">Long-term capital appreciation; current income and income growth is a secondary objective.</span> <span style="font-family: Arial; font-size: 10.0pt;">LVIP ClearBridge Dividend Strategy Fund – Service Class<br/></span> Lincoln Financial Investments Corporation 0.01 0.1246 0.1169 0.1229 <span style="font-family: Arial; font-size: 10.0pt;">Long-term growth of capital; current income is a secondary objective.</span> <span style="font-family: Arial; font-size: 10.0pt;">LVIP ClearBridge Large Cap Value Fund – Service Class<br/></span> Lincoln Financial Investments Corporation 0.0097 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;">Appendix B – Investment Requirements: </span><span style="font-family: Arial; font-size: 10.0pt; color: #000000;">If you have elected a Living Benefit Rider, you may be subject to the Investment Requirements outlined in the prospectus, according to which Living Benefit Rider you own and when you elected that rider. Please refer to your prospectus to determine if you are subject to Investment Requirements. The changes outlined below are effective for October 27, 2026, and are added to the existing Investment Requirements in your prospectus. All other provisions of Investment Requirements remain unchanged. </span> </div><div> <span style="font-family: Arial; font-size: 10.0pt; color: #000000; font-weight: bold;">Please note that your Contract may not offer every rider impacted by these requirements. </span> </div><table style="border-spacing : 0px; border-collapse : collapse; font-family : Calibri; font-size : 11pt; margin-left : auto; width : 100%; margin-right : auto; "> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Applicable Riders/Investment Requirement Option</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Purchase Date Range</span> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: center;"> <span style="font-weight: bold;">Investment Requirement Change</span> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: left;"> <div> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">Lincoln ProtectedPay Select Core®</span> and <span style="font-style: italic;">Estate Lock℠</span> </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">Lincoln ProtectedPay Select Core®</span> </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">Lincoln ProtectedPay Select Plus®</span> </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">Lincoln ProtectedPay Select Max®</span> </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> Lincoln <span style="font-style: italic;">Market Select®</span> Advantage </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> Lincoln <span style="font-style: italic;">Max 6℠</span> Advantage </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">i4LIFE®</span> Advantage Select Guaranteed Income Benefit </div> </div> <div style="clear: both;"> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> Transitions from a Prior Rider to <span style="font-style: italic;">i4LIFE®</span> Advantage Select Guaranteed Income Benefit </div> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; clear: both;"> <div> On or after November 28, 2016 (January 9, 2017 for existing Contractowners) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black;"> <div> The LVIP ClearBridge Appreciation Fund, LVIP ClearBridge Dividend Strategy Fund, and LVIP ClearBridge Large Cap Value Fund will be added to Group 2 (investments cannot exceed 80% of Contract Value or Account Value). </div> </td> </tr> <tr style="vertical-align: top; clear: both;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: left;"> <div> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">i4LIFE® </span>Advantage Select Guaranteed Income Benefit </div> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; clear: both;"> <div> On or after May 21, 2018 and prior to May 18, 2020 </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black;"> <div> The LVIP ClearBridge Appreciation Fund, LVIP ClearBridge Dividend Strategy Fund, and LVIP ClearBridge Large Cap Value Fund will be added to list of funds eligible for 100% allocation of Contract Value or Account Value. </div> </td> </tr> <tr style="vertical-align: top; clear: both;"> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; text-align: left;"> <div> <div style="float: left;"> <span style="min-width: 18pt; display: inline-block;">o</span> </div> <div> <span style="font-style: italic;">i4LIFE®</span> Advantage Guaranteed Income Benefit (version 4) </div> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black; clear: both;"> <div> On or after February 8, 2016 and prior to November 28, 2016 (January 9, 2017 for existing Contractowers) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; border-width: 1pt; border-style: solid; border-color: black;"> <div> The LVIP ClearBridge Appreciation Fund, LVIP ClearBridge Dividend Strategy Fund, and LVIP ClearBridge Large Cap Value Fund will be added to Group 2 (investments cannot exceed 70% of Contract Value or Account Value). </div> </td> </tr> </table><div> <span style="font-family: Arial; font-size: 8.0pt;">*Riders elected on or after November 28, 2016 (January 9, 2017 for existing Contractowners) but prior to May 21, 2018.</span> </div> 0001048606 false