0001048606 2026-10-15 2026-10-15 0001048606 ck0001048606:CurrentInitialProtectedLifetimeIncomeFeeRateSingleLifeMember 2026-10-15 2026-10-15 0001048606 ck0001048606:CurrentInitialProtectedLifetimeIncomeFeeRateJointLifeMember 2026-10-15 2026-10-15 0001048606 ck0001048606:i4LIFEAdvantageSelectGuaranteedIncomeBenefitContractownersFromLincolnProtectedPaySelectCoreSingleMember 2026-10-15 2026-10-15 0001048606 ck0001048606:i4LIFEAdvantageSelectGuaranteedIncomeBenefitContractownersFromLincolnProtectedPaySelectCoreJointMember 2026-10-15 2026-10-15 pure Lincoln Life Variable Annuity Account N 2026-10-15 <div style="line-height:12.0pt;margin-top:12pt;text-align:center;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Current Initial Protected Lifetime Income Fee Rate</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;line-height:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;width:523.5pt; border-spacing: 0px;"> <tr style="height:26pt;"> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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> <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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current Initial Annual 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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.60%</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:center;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Enhancement Rate</span></div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:center;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:center;"> <div style="margin-top:12pt;"><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 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></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><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></div> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:center;"> <div style="margin-top:12pt;"><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></div> </div> <div style="line-height:1.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;margin-left:152.07pt;width:223.86pt; border-spacing: 0px;"> <tr style="height:10.05pt;"> <td colspan="2" style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">4.50%</span></div> </div> </td> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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;">6.15%</span></div> </div> </td> <td style="background-color:azure;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="background-color:azure;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">6.35%</span></div> </div> </td> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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;">6.55%</span></div> </div> </td> <td style="background-color:azure;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="background-color:azure;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">6.70%</span></div> </div> </td> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">6.10%</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:12.0pt;text-align:center;"> <div style="margin-top:12pt;"><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 Charge Rate</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:1pt;font-weight:bold;line-height:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;width:523.5pt; border-spacing: 0px;"> <tr style="height:26pt;"> <td style="background-color:#FFFFFF;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="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 Select Guaranteed Income Benefit for Contractowners who transition from </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <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;font-style:italic;margin-left:0.0pt;">ProtectedPay Select Core</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1.0pt;position:relative;top:-7pt;">®</span></div> </div> </td> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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> <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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current Initial Annual 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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.60%</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:center;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Income Benefit Percentages</span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><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</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;">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></div> </div><div style="line-height:12.0pt;text-align:center;"><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></div> <div style="line-height:1.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;margin-left:147.79pt;width:232.42pt; border-spacing: 0px;"> <tr style="height:10.05pt;"> <td colspan="2" style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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;">4.25%</span></div> </div> </td> <td style="background-color:azure;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="background-color:azure;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;">3.75%</span></div> </div> </td> </tr> <tr style="height:12.6pt;"> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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:12.6pt;"> <td style="background-color:azure;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="background-color:azure;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;">5.50%</span></div> </div> </td> <td style="background-color:azure;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="background-color:azure;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;">5.00%</span></div> </div> </td> </tr> <tr style="height:11.8pt;"> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">5.50%</span></div> </div> </td> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">5.00%</span></div> </div> </td> </tr> </table> </div> 0.015 0.016 <div style="margin-top:12pt;"><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 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></div><div style="margin-top:6pt;"><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></div><div style="margin-top:12pt;"><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></div><table cellpadding="0" style="empty-cells:show;margin-left:152.07pt;width:223.86pt; border-spacing: 0px;"> <tr style="height:10.05pt;"> <td colspan="2" style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">4.50%</span></div> </div> </td> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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;">6.15%</span></div> </div> </td> <td style="background-color:azure;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="background-color:azure;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">6.35%</span></div> </div> </td> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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;">6.55%</span></div> </div> </td> <td style="background-color:azure;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="background-color:azure;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">6.70%</span></div> </div> </td> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">6.10%</span></div> </div> </td> </tr> </table><div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Income Benefit Percentages</span></div><div style="margin-top:6pt;"><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</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;">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></div><div style="line-height:12.0pt;text-align:center;"><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></div><table cellpadding="0" style="empty-cells:show;margin-left:147.79pt;width:232.42pt; border-spacing: 0px;"> <tr style="height:10.05pt;"> <td colspan="2" style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:azure;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:azure;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="background-color:azure;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;">4.25%</span></div> </div> </td> <td style="background-color:azure;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="background-color:azure;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;">3.75%</span></div> </div> </td> </tr> <tr style="height:12.6pt;"> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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="background-color:#FFFFFF;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:12.6pt;"> <td style="background-color:azure;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="background-color:azure;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;">5.50%</span></div> </div> </td> <td style="background-color:azure;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="background-color:azure;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;">5.00%</span></div> </div> </td> </tr> <tr style="height:11.8pt;"> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">5.50%</span></div> </div> </td> <td style="background-color:#FFFFFF;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="background-color:#FFFFFF;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;">5.00%</span></div> </div> </td> </tr> </table> 0.015 0.016 N-4 N-4 0001048606 false