Lincoln Life Variable Annuity Account N
04/24/2026 | Press release | Distributed by Public on 04/24/2026 08:25
Updating Summary Prospectus (Form 497VPU)
Lincoln ChoicePlus AssuranceSM (Prime) Individual Variable Annuity Contracts
Updating Summary Prospectus for Current Contractowners
May 1, 2026
May 1, 2026
This updating summary prospectus summarizes certain changes to key features of the Lincoln ChoicePlus AssuranceSM (Prime) variable annuity contract issued by The Lincoln National Life Insurance Company (Lincoln Life or Company).
You should read this updating summary prospectus carefully, particularly the section titled Important Information You Should Consider about the Lincoln ChoicePlus AssuranceSM (Prime) contract.
The prospectus for the Lincoln ChoicePlus AssuranceSM (Prime) variable annuity contract contains more information about the Contract's features, benefits, and risks. You can find the prospectus and other information about the Contract online at www.lfg.com/VAprospectus. You can also obtain this information at no cost by calling 1-888-868-2583 or by sending an email request to [email protected].
The Securities and Exchange Commission has not approved or disapproved the Contract or determined if this Summary Prospectus is accurate or complete. Any representation to the contrary is a criminal offense.
Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.
All prospectuses and other shareholder reports will be made available on www.lfg.com/VAprospectus.
1
Updated Information About Your Contract
The information in this Updating Summary Prospectus is a summary of certain contract features that have changed since the Updating Summary Prospectus dated May 1, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract, and not all changes may be applicable to you.
Summary of Contract Changes:
Purchase Payments. You must obtain our approval for Purchase Payments totaling $5 million or more where the only optional benefits elected are the Account Value Death Benefit and/or i4LIFE® Advantage without the Guaranteed Income Benefit and $1 million or more for all other contracts. At the Company's discretion, either amount may consider total Purchase Payments for all annuity contracts issued by the Company (or its affiliates) for the same Contractowner, joint owner, and/or Annuitant.
Summary of Changes to Benefits Available Under the Contract:
Benefits Available Under the Contract. The following Living Benefit Rider options are no longer available for election by any Contractowner:
●
Lincoln ProtectedPay Secure Core® and Estate LockSM
●
Lincoln ProtectedPay Secure Core®
●
Lincoln ProtectedPay Secure Plus®
●
Lincoln ProtectedPay Secure Max®
Additionally, the i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) is only available if transitioning from a Prior Rider.
Beginning May 18, 2026, the following Living Benefit Rider options will only be available for election at the time the Contract is purchased. This means the riders will no longer be available for post-issue elections.
●
Lincoln ProtectedPay Select Core®
●
Lincoln ProtectedPay Select Plus®
●
Lincoln ProtectedPay Select Max®
Additionally, beginning May 18, 2026, the i4LIFE® Advantage Select Guaranteed Income Benefit will only be available if you are transitioning from a Prior Rider.
Appendix B - Investment Requirements. This section should be reviewed for any updates to the Investment Requirements that may be applicable to your Contract.
Summary of Investment Option Changes:
The following is a summary of changes to the investment options available under the Contract. Additional information including investment objectives, current expenses and average annual total returns is available in Appendix A - Investment Options Available Under The Contract.
Fund Addition(s):
●
LVIP American Funds Vanguard Active Passive Growth Fund (Service Class)
Fund Name Changes:
|
Former Fund Name
|
New Fund Name
|
|
ClearBridge Variable Large Cap Growth Portfolio
|
LVIP ClearBridge Large Cap Growth Fund
|
|
LVIP American Century Disciplined Core Value Fund
|
LVIP Avantis Large Cap Value Fund
|
|
LVIP Franklin Templeton Global Equity Managed Volatility Fund
|
LVIP Global Equity Managed Volatility Fund
|
|
LVIP Macquarie Bond Fund
|
LVIP Franklin Templeton Core Bond Fund
|
|
LVIP Macquarie Diversified Floating Rate Fund
|
LVIP Nomura Diversified Floating Rate Fund
|
|
LVIP Macquarie High Yield Fund
|
LVIP Nomura High Yield Fund
|
2
|
Former Fund Name
|
New Fund Name
|
|
LVIP Macquarie Mid Cap Value Fund
|
LVIP Nomura Mid Cap Value Fund
|
|
LVIP Macquarie SMID Cap Core Fund
|
LVIP Nomura SMID Cap Core Fund
|
|
LVIP Macquarie Social Awareness Fund
|
LVIP Nomura Social Awareness Fund
|
|
LVIP Macquarie U.S. Growth Fund
|
LVIP Nomura U.S. Growth Fund
|
|
LVIP Macquarie U.S. REIT Fund
|
LVIP Nomura U.S. REIT Fund
|
|
LVIP SSGA Bond Index Fund
|
LVIP State Street Bond Index Fund
|
|
LVIP SSGA Conservative Index Allocation Fund
|
LVIP State Street Conservative Index Allocation Fund
|
|
LVIP SSGA Emerging Markets Equity Index Fund
|
LVIP State Street Emerging Markets Equity Index Fund
|
|
LVIP SSGA Global Tactical Allocation Managed Volatility Fund
|
LVIP State Street Global Tactical Allocation Managed Volatility
Fund
|
|
LVIP SSGA International Index Fund
|
LVIP State Street International Index Fund
|
|
LVIP SSGA International Managed Volatility Fund
|
LVIP State Street International Managed Volatility Fund
|
|
LVIP SSGA Large Cap Managed Volatility Fund
|
LVIP State Street Large Cap Managed Volatility Fund
|
|
LVIP SSGA Mid-Cap Index Fund
|
LVIP State Street Mid-Cap Index Fund
|
|
LVIP SSGA Moderate Index Allocation Fund
|
LVIP State Street Moderate Index Allocation Fund
|
|
LVIP SSGA Moderately Aggressive Index Allocation Fund
|
LVIP State Street Moderately Aggressive Index Allocation Fund
|
|
LVIP SSGA S&P 500 Index Fund
|
LVIP State Street S&P 500 Index Fund
|
|
LVIP SSGA Short-Term Bond Index Fund
|
LVIP State Street Short-Term Bond Index Fund
|
|
LVIP SSGA Small-Cap Index Fund
|
LVIP State Street Small-Cap Index Fund
|
|
LVIP SSGA SMID Cap Managed Volatility Fund
|
LVIP State Street SMID Cap Managed Volatility Fund
|
|
Macquarie VIP Emerging Markets Series
|
Nomura VIP Emerging Markets Series
|
|
Macquarie VIP Small Cap Value Series
|
Nomura VIP Small Cap Value Series
|
3
Fund Reorganizations:
●
The LVIP Invesco Select Equity Income Managed Volatility Fund was reorganized into the LVIP BlackRock Dividend Managed Volatility Fund on August 1, 2025.
●
The LVIP Macquarie Wealth Builder Fund was reorganized into the LVIP Structured Moderate Allocation Fund on October 31, 2025.
●
The LVIP Western Asset Core Bond Fund was reorganized into the LVIP Franklin Templeton Core Bond Fund on October 31, 2025.
The following fund reorganization(s) will take place on or about June 5, 2026. Please consult your registered representative.
●
The LVIP American Century Large Company Value Fund will be reorganized to merge into the LVIP American Century Value Fund, subject to shareholders approval.
●
The LVIP Multi-Manager Global Equity Managed Volatility Fund will be reorganized to merge into the LVIP Global Equity Managed Volatility Fund, subject to shareholders approval.
Fund Substitutions:
●
The LVIP American Global Small Capitalization Fund ("Existing Fund") was substituted with the American Funds® IS Global Small Capitalization Fund ("Replacement Fund') on or about June 20, 2025. Any Contract Value allocated to a subaccount option investing in the Existing Fund were automatically transferred to the subaccount option investing in the Replacement Fund.
4
Important Information You Should Consider About the Lincoln ChoicePlus AssuranceSM (Prime) Variable Annuity Contract
|
FEES, EXPENSES, AND ADJUSTMENTS
|
Location in
Prospectus
|
|||
|
Are There
Charges or
Adjustments for
Early
Withdrawals?
|
Yes:
A surrender charge may apply to a surrender or withdrawal of a Purchase Payment prior
to the 7th anniversary since the Purchase Payment was invested, up to 7% of the
amount withdrawn, declining to 0% over that time period. For example, if you make a
withdrawal of $100,000 during the first year after your Purchase Payment, you could be
assessed a charge of up to $7,000 on the Purchase Payment withdrawn. This loss will
be greater if there is also a negative Interest Adjustment, taxes, or tax penalties. A
surrender charge will not apply if your withdrawal is made after the 7th anniversary
since a Purchase Payment was invested.
If amounts are withdrawn, surrendered, or transferred from the fixed account before the
expiration of a Guaranteed Period, an Interest Adjustment may apply, which may be
negative. A negative Interest Adjustment will result in the loss of some or all previously-
credited interest in excess of the guaranteed minimum interest rate, if any. Your loss will
be greater if you also have to pay a surrender charge, taxes, or tax penalties.
|
●Fee Tables
●Fee Tables -
Examples
●Charges, Other
Deductions,
and
Adjustments -
Surrender
Charge
|
||
|
Are There
Transaction
Charges?
|
No:
The Contract does not impose any transaction charges other than surrender charges
and Interest Adjustments.
|
●Fee Tables
●Charges, Other
Deductions,
and
Adjustments
|
||
|
Are There
Ongoing Fees and
Expenses?
|
Yes:
Minimum and Maximum Annual Fee Table. The table below describes the fees and
expenses that you may pay each year, depending on the investment options and
optional benefits you choose. Please refer to your contract specifications page in your
Contract for information about the specific fees and expenses you will pay each year
based on the options you have elected.
|
●Fee Tables
●Fee Tables -
Examples
●Charges, Other
Deductions,
and
Adjustments
●Appendix A -
Investment
Options
Available
Under the
Contract
|
||
|
Annual Fee
|
Minimum
|
Maximum
|
||
|
Base Contract - Account Value Death
Benefit
|
1.27%1
|
1.27%1
|
||
|
Base Contract - Guarantee of Principal
Death Benefit
|
1.32%1
|
1.32%1
|
||
|
Base Contract - Enhanced Guaranteed
Minimum Death Benefit
|
1.57%1
|
1.57%1
|
||
|
Base Contract - Estate Enhancement
Benefit
|
1.77%1
|
1.77%1
|
||
|
Fund fees and expenses
|
0.48%2
|
3.48%2
|
||
|
Optional benefits available for an
additional charge (for a single optional
benefit, if elected)
|
0.40%1
|
2.75%3
|
||
|
1 As a percentage of average Contract Value. For the base contract, also includes an amount attributable
to the Annual Account Fee.
|
||||
|
2 As a percentage of fund net assets, before expense reimbursements or fee waiver arrangements.
|
||||
|
3 As an annualized percentage of the Protected Income Base.
|
||||
5
|
FEES, EXPENSES, AND ADJUSTMENTS
|
Location in
Prospectus
|
|||
|
Lowest and Highest Annual Cost Table. Because your Contract is customizable, the
choices you make affect how much you will pay. To help you understand the cost of
owning your Contract, the following table shows the lowest and highest cost you could
pay each year, based on current charges. This estimate assumes that you do not take
withdrawals from the Contract, which could add surrender charges and negative
Interest Adjustments that substantially increase costs.
|
||||
|
Lowest Annual Cost: $2,041
|
Highest Annual Cost: $7,874
|
|||
|
Assumes:
|
Assumes:
|
|||
|
●Investment of $100,000
●5% annual appreciation
●Least expensive fund fees and
expenses
●No optional benefits
●No surrender charges
●No additional Purchase Payments,
transfers, or withdrawals
|
●Investment of $100,000
●5% annual appreciation
●Most expensive combination of
optional benefits, fund fees and
expenses
●No surrender charges
●No additional Purchase Payments,
transfers, or withdrawals
|
|||
|
RISKS
|
Location in
Prospectus
|
|||
|
Is There a Risk of
Loss From Poor
Performance?
|
Yes:
●You can lose money by investing in this Contract, including loss of principal.
|
●Principal Risks
●Investments of
the Variable
Annuity
Account
|
||
|
Is This a Short-
Term Investment?
|
No:
●This Contract is not designed for short-term investing and is not appropriate for the
investor who needs ready access to cash.
●A surrender or withdrawal may result in surrender charges. Any surrender charge will
reduce the value of your Contract or the amount of money that you actually receive.
●A withdrawal, surrender, or transfer from the fixed account prior to the expiration
date of a Guaranteed Period may result in an Interest Adjustment, which could be
positive or negative.
●At the end of a Guaranteed Period for the fixed account, your Contract Value in the
fixed account will be reallocated according to your instructions. In the absence of
instructions, a new Guaranteed Period will begin if available. State variations exist.
●The benefits of tax deferral, long-term income, and living benefit protections mean
the Contract is more beneficial to investors with a long-term investment horizon.
●Surrenders and withdrawals are subject to ordinary income tax and may be subject
to tax penalties.
|
●Fee Tables
●Principal Risks
●Charges, Other
Deductions,
and
Adjustments
●Surrenders and
Withdrawals
●Benefits
Available
Under the
Contract
●Fixed Side of
the Contract
|
||
|
What are the
Risks Associated
With the
Investment
Options?
|
●An investment in this Contract is subject to the risk of poor investment performance
of the investment options you choose. Performance can vary depending on the
performance of the investment options available under the Contract.
●Each investment option (including the fixed account option) has its own unique risks.
●You should review the available investment options before making an investment
decision.
|
●Principal Risks
●Investments of
the Variable
Annuity
Account
●Fixed Side of
the Contract
|
||
|
What are the
Risks Related to
the Insurance
Company?
|
●An investment in the Contract is subject to the risks related to Lincoln Life. Any
obligations (including under the fixed account option), guarantees, or benefits of the
Contract are subject to our claims-paying ability. If we experience financial distress,
we may not be able to meet our obligations to you. More information about Lincoln
Life, including our financial strength ratings, is available upon request by calling 1-
888-868-2583 or visiting www.LincolnFinancial.com.
|
●Principal Risks
●Fixed Side of
the Contract
|
||
6
|
RESTRICTIONS
|
Location in
Prospectus
|
|||
|
Are There
Restrictions on
the Investment
Options?
|
Yes:
●Not all investment options may be available for investment under your Contract.
●The frequency of transfers between investment options is restricted. There are also
restrictions on the minimum amount that may be transferred from a variable option
and the maximum amount that may be transferred from the fixed account option, if
available.
●We reserve the right to remove or substitute any funds as investment options that
are available under the Contract.
●You are generally restricted to no more than 12 transfers between investment options
per Contract Year. Your ability to transfer between investment options may also be
restricted as a result of Investment Requirements if you have elected an optional
benefit.
|
●Principal Risks
●Investments of
the Variable
Annuity
Account
●Fixed Side of
the Contract
●Appendix A -
Investment
Options
Available
Under the
Contract
|
||
|
Are There any
Restrictions on
Contract
Benefits?
|
Yes:
●Optional benefits may have limitations or restrictions, including the investment
options that you may select under the Contract. We may change these restrictions in
the future.
●Excess Withdrawals may reduce the value of an optional benefit by an amount
greater than the value withdrawn or result in termination of the benefit.
●You are required to have a certain level of Contract Value for some new benefit
elections.
●We may modify or stop offering an optional benefit that is currently available at any
time.
●If you elect certain optional benefits, you may be limited in the amount of Purchase
Payments that you can make (and when).
|
●The Contracts
●Benefits
Available
Under the
Contract
●Appendix B -
Investment
Requirements
●Appendix C -
Discontinued
Living Benefit
Riders
|
||
|
TAXES
|
Location in
Prospectus
|
|||
|
What are the
Contract's Tax
Implications?
|
●Consult with a tax professional to determine the tax implications of an investment in
and payments received under this Contract.
●If you purchase the Contract through a tax-qualified plan or IRA, you do not get any
additional tax benefit under the Contract.
●Earnings on your Contract may be taxed at ordinary income tax rates when you
withdraw them, and you may have to pay a penalty if you take a withdrawal before
age 59½.
|
●Federal Tax
Matters
|
||
|
CONFLICTS OF INTEREST
|
Location in
Prospectus
|
|||
|
How are
Investment
Professionals
Compensated?
|
●Your registered representative may receive compensation for selling this Contract to
you, both in the form of commissions and because we may share the revenue it
earns with the professional's firm. (Your investment professional may be your broker,
investment adviser, insurance agent, or someone else.)
●This potential conflict of interest may influence your investment professional to
recommend this Contract over another investment.
|
●Distribution of
the Contracts
|
||
|
Should I
Exchange My
Contract?
|
●If you already own a contract, some investment professionals may have a financial
incentive to offer you a new contract in place of the one you own. You should only
exchange your contract if you determine, after comparing the features, fees, and
risks of both contracts, that it is better for you to purchase the new contract rather
than continue to own your existing contract.
|
●The Contracts
- Replacement
of Existing
Insurance
|
||
7
Appendix A - Investment Options Available Under The Contract
Variable Options
The following is a list of funds currently available under the Contract. Depending on the optional benefits you choose, you may not be able to invest in certain funds. Current performance of the Subaccounts can be found at www.lfg.com/VAprospectus. More information about the funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.lfg.com/VAprospectus. You can also request this information and current fund performance at no cost by calling 1-888-868-2583 or by sending an email request to [email protected].
The current expenses and performance information below reflect fees and expenses of the Fund, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each fund's past performance is not necessarily an indication of future performance.
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Long-term growth of capital.
|
AB VPS Discovery Value Portfolio - Class B
advised by AllianceBernstein L.P.
|
1.07%
|
2.64%
|
8.48%
|
8.27%
|
|
Long-term growth of capital.
|
AB VPS Sustainable Global Thematic
Portfolio - Class B
advised by AllianceBernstein L.P.
|
1.19%2
|
6.02%
|
3.02%
|
9.80%
|
|
Long-term growth of capital.
|
American Funds® IS Global Small
Capitalization Fund - Class 4
advised by Capital Research and
Management Company
|
1.15%2
|
14.33%
|
0.23%
|
6.96%
|
|
To provide high total return (including
income and capital gains) consistent with
preservation of capital over the long term
while seeking to manage volatility and
provide downside protection. A fund of
funds.
|
American Funds® IS Managed Risk Asset
Allocation Fund - Class P2
advised by Capital Research and
Management Company
|
0.90%
|
11.67%
|
6.43%
|
7.17%
|
|
Long-term growth of capital.
|
ClearBridge Variable Mid Cap Portfolio -
Class II
advised by Franklin Templeton Fund
Adviser, LLC
|
1.07%
|
4.08%
|
4.23%
|
7.24%
|
|
Capital appreciation. A fund of funds.
|
DWS Alternative Asset Allocation VIP
Portfolio - Class B
advised by DWS Investment Management
Americas, Inc.
|
1.31%
|
10.03%
|
4.88%
|
4.52%
|
|
Income and capital growth consistent with
reasonable risk.
|
Fidelity® VIP Balanced Portfolio - Service
Class 2
|
0.66%
|
14.96%
|
9.24%
|
10.84%
|
|
Long-term capital appreciation.
|
Fidelity® VIP Contrafund® Portfolio -
Service Class 2
|
0.79%
|
21.24%
|
15.08%
|
15.49%
|
|
High total return. A fund of funds.
|
Fidelity® VIP FundsManager® 50%
Portfolio - Service Class 2
|
0.74%2
|
14.03%
|
5.63%
|
7.09%
|
|
To achieve capital appreciation.
|
Fidelity® VIP Growth Portfolio - Service
Class 2
|
0.80%
|
14.63%
|
13.42%
|
17.16%
|
|
Long-term growth of capital.
|
Fidelity® VIP Mid Cap Portfolio - Service
Class 2
|
0.80%
|
11.49%
|
9.83%
|
10.31%
|
A-1
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
To provide long-term capital appreciation.
|
First Trust Capital Strength Hedged Equity
Portfolio - Class I
|
1.25%2
|
-2.26%
|
N/A
|
N/A
|
|
To provide capital appreciation.
|
First Trust Capital Strength Portfolio - Class
I
|
1.10%
|
5.70%
|
7.07%
|
N/A
|
|
To provide long-term capital appreciation.
|
First Trust Growth Strength Portfolio -
Class I
|
1.20%2
|
11.75%
|
N/A
|
N/A
|
|
To provide capital appreciation.
|
First Trust International Developed Capital
Strength Portfolio - Class I
|
1.20%2
|
19.53%
|
6.45%
|
N/A
|
|
To provide total return by allocating among
dividend-paying stocks and investment
grade bonds.
|
First Trust/Dow Jones Dividend & Income
Allocation Portfolio - Class I5
|
1.18%
|
5.30%
|
3.98%
|
6.68%
|
|
Capital appreciation with income as a
secondary objective.
|
Franklin Allocation VIP Fund - Class 4
|
0.92%2
|
12.53%
|
5.59%
|
7.19%
|
|
To maximize income while maintaining
prospects for capital appreciation.
|
Franklin Income VIP Fund - Class 2
This fund is not available in contracts
issued on or after January 9, 2017.
|
0.72%
|
12.56%
|
7.66%
|
7.30%
|
|
To maximize income while maintaining
prospects for capital appreciation.
|
Franklin Income VIP Fund - Class 4
This fund is not available in contracts
issued before January 9, 2017.
|
0.82%
|
12.43%
|
7.54%
|
7.19%
|
|
Balance of growth of capital and income. A
fund of funds.
|
Franklin Multi-Asset Variable Conservative
Growth - Class II
|
0.84%
|
12.50%
|
6.43%
|
N/A
|
|
Capital appreciation; income is a secondary
consideration.
|
Franklin Mutual Shares VIP Fund - Class 2
This fund is not available in contracts
issued on or after January 9, 2017.
|
0.94%
|
11.52%
|
9.20%
|
7.53%
|
|
Capital appreciation; income is a secondary
consideration.
|
Franklin Mutual Shares VIP Fund - Class 4
This fund is not available in contracts
issued before January 9, 2017.
|
1.04%
|
11.45%
|
9.11%
|
7.43%
|
|
To achieve a high level of total return on its
assets through a combination of capital
appreciation and current income.
|
Invesco V.I. Equally-Weighted S&P 500
Fund - Series II Shares4
This fund is not available in contracts
issued on or after August 19, 2024.
|
0.59%
|
10.82%
|
9.89%
|
11.11%
|
|
Long-term growth of capital.
|
Invesco V.I. EQV International Equity Fund -
Series II Shares
|
1.15%
|
16.23%
|
3.42%
|
5.95%
|
|
Long-term growth of capital. A fund of
funds.
|
Lincoln Hedged Nasdaq-100 Fund - Service
Class6
|
1.20%2
|
12.44%
|
N/A
|
N/A
|
|
Long-term growth of capital. A fund of
funds.
|
Lincoln Hedged S&P 500 Conservative
Fund - Service Class3
|
1.05%2
|
9.27%
|
N/A
|
N/A
|
|
Long-term growth of capital. A fund of
funds.
|
Lincoln Hedged S&P 500 Fund - Service
Class3
|
1.05%2
|
11.52%
|
N/A
|
N/A
|
|
Long-term growth of capital. A fund of
funds.
|
Lincoln Opportunistic Hedged Equity Fund -
Service Class
|
1.06%2
|
9.77%
|
N/A
|
N/A
|
A-2
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Long-term growth of capital.
|
LVIP AllianceBernstein Large Cap Growth
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.88%2
|
13.72%
|
8.18%
|
13.37%
|
|
Long-term capital growth and current
income by investing approximately 60% of
its assets in equity securities and the
remainder in bonds and other fixed-income
securities.
|
LVIP American Century Balanced Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
1.02%2
|
9.33%
|
6.23%
|
N/A
|
|
Capital growth.
|
LVIP American Century Capital Appreciation
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.94%2
|
6.56%
|
5.02%
|
11.31%
|
|
Long-term total return using a strategy that
seeks to protect against U.S. inflation.
|
LVIP American Century Inflation Protection
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.72%2
|
6.33%
|
0.62%
|
2.61%
|
|
Capital growth.
|
LVIP American Century International Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
1.10%2
|
15.81%
|
1.71%
|
6.27%
|
|
Long-term capital growth, income is
secondary objective.
|
LVIP American Century Large Company
Value Fund - Service Class
advised by Lincoln Financial Investments
Corporation
This fund will not be available in contracts
issued on or after May 18, 2026. This fund
will be reorganized to merge into the LVIP
American Century Value Fund on or about
June 5, 2026, subject to shareholders
approval.
|
0.85%2
|
15.23%
|
9.84%
|
9.35%
|
|
Long-term capital growth, income is
secondary consideration.
|
LVIP American Century Mid Cap Value Fund
- Service Class
advised by Lincoln Financial Investments
Corporation
|
1.01%2
|
8.83%
|
8.72%
|
8.96%
|
|
Capital appreciation.
|
LVIP American Century Select Mid Cap
Managed Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.16%2
|
4.50%
|
7.23%
|
8.43%
|
|
Long-term capital growth.
|
LVIP American Century Ultra® Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.90%2
|
12.67%
|
11.52%
|
17.00%
|
A-3
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Long-term capital growth; income is a
secondary consideration.
|
LVIP American Century Value Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.86%2
|
15.85%
|
11.47%
|
10.07%
|
|
Long-term capital appreciation. A fund of
funds.
|
LVIP American Funds Vanguard Active
Passive Growth Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.02%2
|
N/A
|
N/A
|
N/A
|
|
A balance between a high level of current
income and growth of capital. A fund of
funds.
|
LVIP American Global Balanced Allocation
Managed Risk Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.94%
|
12.43%
|
4.70%
|
6.06%
|
|
A balance between a high level of current
income and growth of capital, with a
greater emphasis on growth of capital. A
fund of funds.
|
LVIP American Global Growth Allocation
Managed Risk Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.96%
|
14.51%
|
5.63%
|
6.90%
|
|
Long-term growth of capital. A master-
feeder fund.
|
LVIP American Global Growth Fund -
Service Class II
advised by Lincoln Financial Investments
Corporation
|
1.04%
|
21.23%
|
7.85%
|
11.76%
|
|
Growth of capital. A master-feeder fund.
|
LVIP American Growth Fund - Service Class
II
advised by Lincoln Financial Investments
Corporation
|
0.94%
|
19.82%
|
12.98%
|
17.55%
|
|
Long-term growth of capital and income. A
master-feeder fund.
|
LVIP American Growth-Income Fund -
Service Class II
advised by Lincoln Financial Investments
Corporation
|
0.88%
|
17.67%
|
13.51%
|
13.52%
|
|
Long-term growth of capital. A master-
feeder fund.
|
LVIP American International Fund - Service
Class II
advised by Lincoln Financial Investments
Corporation
|
1.15%
|
26.27%
|
3.01%
|
6.60%
|
|
Capital growth; income is a secondary
consideration.
|
LVIP Avantis Large Cap Value Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP American Century
Disciplined Core Value Fund)
|
0.96%2
|
14.56%
|
8.51%
|
10.12%
|
|
Capital appreciation.
|
LVIP Baron Growth Opportunities Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
1.15%2
|
-10.08%
|
-0.33%
|
8.78%
|
A-4
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Reasonable income.
|
LVIP BlackRock Dividend Value Managed
Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.88%2
|
11.56%
|
10.13%
|
8.70%
|
|
Long-term capital appreciation.
|
LVIP BlackRock Equity Dividend Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.96%2
|
13.09%
|
7.97%
|
8.27%
|
|
High total investment return.
|
LVIP BlackRock Global Allocation Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.97%2
|
18.41%
|
5.84%
|
N/A
|
|
Capital appreciation. A fund of funds.
|
LVIP BlackRock Global Allocation Managed
Risk Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.19%2
|
16.72%
|
4.52%
|
5.52%
|
|
A balance between current income and
growth of capital, with a greater emphasis
on growth of capital. A fund of funds.
|
LVIP BlackRock Global Growth ETF
Allocation Managed Risk Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
0.77%2
|
10.78%
|
4.99%
|
N/A
|
|
To maximize real return, consistent with
preservation of real capital and prudent
investment management.
|
LVIP BlackRock Inflation Protected Bond
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.10%
|
5.49%
|
2.36%
|
2.76%
|
|
Total return through a combination of
current income and long-term capital
appreciation.
|
LVIP BlackRock Real Estate Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
1.11%2
|
8.63%
|
2.45%
|
3.42%
|
|
A balance between current income and
growth of capital, with a greater emphasis
on growth of capital. A fund of funds.
|
LVIP BlackRock U.S. Growth ETF Allocation
Managed Risk Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.74%2
|
8.58%
|
5.49%
|
N/A
|
|
Long-term growth of capital in a manner
consistent with the preservation of capital.
|
LVIP Blended Large Cap Growth Managed
Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.91%2
|
5.26%
|
11.82%
|
11.81%
|
|
Capital appreciation.
|
LVIP Blended Mid Cap Managed Volatility
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.97%2
|
2.65%
|
4.32%
|
9.63%
|
|
Long-term capital appreciation.
|
LVIP Channing Small Cap Value Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
1.13%
|
7.67%
|
N/A
|
N/A
|
A-5
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Capital appreciation.
|
LVIP ClearBridge Franklin Select Large Cap
Managed Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.00%2
|
10.42%
|
10.45%
|
11.00%
|
|
Long-term growth of capital.
|
LVIP ClearBridge Large Cap Growth Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
(formerly ClearBridge Variable Large Cap
Growth Portfolio)
|
0.99%2
|
8.35%
|
10.29%
|
N/A
|
|
Long-term capital appreciation.
|
LVIP Dimensional International Core Equity
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.87%2
|
34.91%
|
9.38%
|
8.16%
|
|
Long-term capital appreciation. A fund of
funds.
|
LVIP Dimensional International Equity
Managed Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.00%
|
34.75%
|
10.81%
|
6.89%
|
|
Long-term capital appreciation.
|
LVIP Dimensional U.S. Core Equity 1 Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.74%2
|
15.26%
|
12.75%
|
13.27%
|
|
Long-term capital appreciation.
|
LVIP Dimensional U.S. Core Equity 2 Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.74%
|
15.09%
|
12.55%
|
12.71%
|
|
Long-term capital appreciation. A fund of
funds.
|
LVIP Dimensional U.S. Equity Managed
Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.87%2
|
8.75%
|
11.53%
|
11.12%
|
|
Capital appreciation. A fund of funds.
|
LVIP Fidelity Institutional AM® Select Core
Equity Managed Volatility Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
0.95%2
|
13.87%
|
13.07%
|
12.09%
|
|
Maximum long-term total return consistent
with reasonable risk.
|
LVIP Fidelity Institutional AM® Total Bond
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.81%2
|
6.40%
|
-0.65%
|
2.25%
|
|
Maximum current income (yield) consistent
with a prudent investment strategy.
|
LVIP Franklin Templeton Core Bond Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.72%
|
6.87%
|
-0.79%
|
1.88%
|
|
To maximize long-term capital appreciation.
|
LVIP Franklin Templeton Multi-Factor
Emerging Markets Equity Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
0.71%2
|
33.98%
|
8.80%
|
7.62%
|
A-6
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
To maximize long-term capital appreciation.
|
LVIP Franklin Templeton Multi-Factor
International Equity Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.65%2
|
35.26%
|
11.70%
|
8.13%
|
|
To maximize long-term capital appreciation.
|
LVIP Franklin Templeton Multi-Factor Large
Cap Equity Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.61%2
|
18.39%
|
15.89%
|
13.26%
|
|
To maximize long-term capital appreciation.
|
LVIP Franklin Templeton Multi-Factor SMID
Cap Equity Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.62%
|
13.30%
|
11.41%
|
9.93%
|
|
Capital appreciation. A fund of funds.
|
LVIP Global Aggressive Growth Allocation
Managed Risk Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.09%2
|
14.64%
|
6.02%
|
N/A
|
|
A high level of current income with some
consideration given to growth of capital. A
fund of funds.
|
LVIP Global Conservative Allocation
Managed Risk Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.05%2
|
9.51%
|
3.13%
|
4.64%
|
|
Long-term capital growth.
|
LVIP Global Equity Managed Volatility Fund
- Service Class
advised by Lincoln Financial Investments
Corporation
|
0.95%2
|
13.22%
|
8.82%
|
8.02%
|
|
A balance between a high level of current
income and growth of capital, with a
greater emphasis on growth of capital. A
fund of funds.
|
LVIP Global Growth Allocation Managed
Risk Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.04%2
|
13.26%
|
5.31%
|
5.94%
|
|
A balance between a high level of current
income and growth of capital, with an
emphasis on growth of capital. A fund of
funds.
|
LVIP Global Moderate Allocation Managed
Risk Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.05%2
|
11.24%
|
4.44%
|
5.38%
|
|
Current income while maintaining a stable
value of the investors' shares and
preserving the value of the investors' initial
investment.
|
LVIP Government Money Market Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.63%2
|
3.71%
|
2.79%
|
1.70%
|
|
To maximize total return by investing
primarily in a diversified portfolio of
intermediate- and long-term debt
securities.
|
LVIP JPMorgan Core Bond Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
0.71%
|
7.15%
|
-0.29%
|
1.85%
|
|
A high level of current income; capital
appreciation is the secondary objective.
|
LVIP JPMorgan High Yield Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
0.93%2
|
8.59%
|
4.41%
|
5.55%
|
A-7
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Capital appreciation with the secondary
goal of achieving current income by
investing in equity securities.
|
LVIP JPMorgan Mid Cap Value Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.99%
|
4.45%
|
N/A
|
N/A
|
|
Current income and some capital
appreciation. A fund of funds.
|
LVIP JPMorgan Retirement Income Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.93%2
|
11.82%
|
4.12%
|
5.28%
|
|
Long-term capital appreciation.
|
LVIP JPMorgan Select Mid Cap Value
Managed Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.03%2
|
1.26%
|
8.74%
|
7.06%
|
|
Maximum total return, consistent with
reasonable risk.
|
LVIP JPMorgan Short Duration Bond Fund
- Service Class
advised by Lincoln Financial Investments
Corporation
|
0.77%2
|
4.87%
|
1.55%
|
2.03%
|
|
Capital growth over the long term.
|
LVIP JPMorgan Small Cap Core Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
1.02%
|
10.00%
|
6.13%
|
8.66%
|
|
High total return.
|
LVIP JPMorgan U.S. Equity Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
0.88%
|
14.26%
|
13.40%
|
14.56%
|
|
Long-term capital appreciation.
|
LVIP MFS International Growth Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
1.04%2
|
18.81%
|
6.82%
|
9.46%
|
|
Capital appreciation.
|
LVIP MFS Value Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.86%2
|
12.78%
|
9.72%
|
9.82%
|
|
Current income consistent with the
preservation of capital.
|
LVIP Mondrian Global Income Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.91%2
|
6.14%
|
-3.54%
|
0.11%
|
|
Long-term capital appreciation as
measured by the change in the value of
fund shares over a period of three years or
longer.
|
LVIP Mondrian International Value Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.99%2
|
36.05%
|
10.96%
|
7.63%
|
A-8
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Long-term growth of capital. A fund of
funds.
|
LVIP Multi-Manager Global Equity Managed
Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
This fund will not be available in contracts
issued on or after May 18, 2026. This fund
will be reorganized to merge into the LVIP
Global Equity Managed Volatility Fund on or
about June 5, 2026, subject to
shareholders approval.
|
1.15%2
|
15.40%
|
9.77%
|
9.77%
|
|
Capital appreciation. A fund of funds.
|
LVIP Multi-Manager International Equity
Managed Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.11%2
|
19.71%
|
6.53%
|
7.44%
|
|
Total return.
|
LVIP Nomura Diversified Floating Rate Fund
- Service Class
advised by Lincoln Financial Investments
Corporation
|
0.89%2
|
4.51%
|
3.09%
|
2.51%
|
|
Total return and, as a secondary objective,
high current income.
|
LVIP Nomura High Yield Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
1.02%2
|
8.94%
|
3.75%
|
5.58%
|
|
To maximize long-term capital appreciation.
|
LVIP Nomura Mid Cap Value Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
0.77%
|
12.95%
|
11.33%
|
10.29%
|
|
Long-term capital appreciation.
|
LVIP Nomura SMID Cap Core Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
1.10%2
|
8.53%
|
8.77%
|
9.34%
|
|
To maximize long-term capital appreciation.
|
LVIP Nomura Social Awareness Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.79%
|
14.65%
|
12.58%
|
13.13%
|
|
Long-term capital appreciation.
|
LVIP Nomura U.S. Growth Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
1.02%
|
22.24%
|
15.46%
|
15.92%
|
|
Maximum long-term total return, with
capital appreciation as a secondary
objective.
|
LVIP Nomura U.S. REIT Fund - Service
Class
advised by Lincoln Financial Investments
Corporation
|
1.13%2
|
0.72%
|
5.24%
|
3.74%
|
A-9
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
To seek a high level of current income
consistent with preservation of capital.
|
LVIP PIMCO Low Duration Bond Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.85%2
|
5.21%
|
1.65%
|
1.99%
|
|
To match as closely as practicable, before
fees and expenses, the performance of the
Bloomberg U.S. Aggregate Index.
|
LVIP State Street Bond Index Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA Bond Index Fund)
|
0.62%2
|
6.53%
|
-0.97%
|
1.42%
|
|
A high level of current income, with some
consideration given to growth of capital. A
fund of funds.
|
LVIP State Street Conservative Index
Allocation Fund - Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA Conservative Index
Allocation Fund)
|
0.75%2
|
12.51%
|
3.45%
|
5.30%
|
|
To provide investment results that, before
fees and expenses, correspond generally to
the total return of the MSCI Emerging
Markets Index that tracks performance of
emerging market equity securities.
|
LVIP State Street Emerging Markets Equity
Index Fund - Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA Emerging Markets
Equity Index Fund)
|
0.75%2
|
33.15%
|
3.15%
|
N/A
|
|
Long-term growth of capital. A fund of
funds.
|
LVIP State Street Global Tactical Allocation
Managed Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA Global Tactical
Allocation Managed Volatility Fund)
|
0.86%2
|
14.09%
|
6.34%
|
6.36%
|
|
To approximate as closely as practicable,
before fees and expenses, the performance
of a broad market index of non-U.S. foreign
securities.
|
LVIP State Street International Index Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA International Index
Fund)
|
0.63%2
|
30.85%
|
8.39%
|
7.73%
|
|
Capital appreciation. A fund of funds.
|
LVIP State Street International Managed
Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA International
Managed Volatility Fund)
|
0.87%2
|
24.69%
|
6.54%
|
5.31%
|
|
Capital appreciation. A fund of funds.
|
LVIP State Street Large Cap Managed
Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA Large Cap Managed
Volatility Fund)
|
0.72%2
|
9.35%
|
12.30%
|
11.95%
|
|
To approximate as closely as practicable,
before fees and expenses, the performance
of the S&P MidCap 400® Index that
emphasizes stocks of mid-sized U.S.
companies.
|
LVIP State Street Mid-Cap Index Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA Mid-Cap Index Fund)
|
0.60%2
|
6.87%
|
8.47%
|
10.06%
|
A-10
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
A balance between a high level of current
income and growth of capital, with a
greater emphasis on growth of capital. A
fund of funds.
|
LVIP State Street Moderate Index Allocation
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA Moderate Index
Allocation Fund)
|
0.75%
|
15.35%
|
5.59%
|
7.16%
|
|
A balance between high level of current
income and growth of capital, with a
greater emphasis on growth of capital. A
fund of funds.
|
LVIP State Street Moderately Aggressive
Index Allocation Fund - Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA Moderately
Aggressive Index Allocation Fund)
|
0.75%
|
17.14%
|
6.39%
|
7.91%
|
|
To approximate as closely as practicable,
before fees and expenses, the total rate of
return of common stocks publicly traded in
the United States, as represented by the
S&P 500 Index.
|
LVIP State Street S&P 500 Index Fund -
Service Class3
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA S&P 500 Index Fund)
|
0.48%
|
17.30%
|
13.88%
|
14.26%
|
|
To provide investment results that, before
fees and expenses, correspond generally to
the price and yield performance of an index
that tracks the short-term U.S. corporate
bond market.
|
LVIP State Street Short-Term Bond Index
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA Short-Term Bond
Index Fund)
|
0.61%2
|
5.25%
|
2.00%
|
N/A
|
|
To approximate as closely as practicable,
before fees and expenses, the performance
of the Russell 2000® Index, which
emphasizes stocks of small U.S.
companies.
|
LVIP State Street Small-Cap Index Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA Small-Cap Index
Fund)
|
0.63%2
|
12.18%
|
5.47%
|
8.90%
|
|
Capital appreciation. A fund of funds.
|
LVIP State Street SMID Cap Managed
Volatility Fund - Service Class
advised by Lincoln Financial Investments
Corporation
(formerly LVIP SSGA SMID Cap Managed
Volatility Fund)
|
0.86%2
|
4.23%
|
4.39%
|
6.65%
|
|
A high level of current income, with some
consideration given to growth of capital. A
fund of funds.
|
LVIP Structured Conservative Allocation
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.84%
|
13.44%
|
4.19%
|
5.34%
|
|
A balance between a high level of current
income and growth of capital, with an
emphasis on growth of capital. A fund of
funds.
|
LVIP Structured Moderate Allocation Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.81%
|
16.98%
|
6.90%
|
7.32%
|
|
A balance between high level of current
income and growth of capital, with a
greater emphasis on growth of capital. A
fund of funds.
|
LVIP Structured Moderately Aggressive
Allocation Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.84%
|
19.03%
|
8.00%
|
8.05%
|
|
To maximize capital appreciation.
|
LVIP T. Rowe Price Structured Mid-Cap
Growth Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.96%2
|
10.76%
|
7.14%
|
12.62%
|
A-11
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Capital appreciation. A fund of funds.
|
LVIP U.S. Aggressive Growth Allocation
Managed Risk Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.09%2
|
8.94%
|
5.91%
|
N/A
|
|
High level of current income and growth of
capital, with an emphasis on growth of
capital. A fund of funds.
|
LVIP U.S. Growth Allocation Managed Risk
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
1.06%2
|
8.28%
|
5.23%
|
6.36%
|
|
Total return consistent with the
preservation of capital. A fund of funds.
|
LVIP Vanguard Bond Allocation Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.61%
|
6.06%
|
-0.70%
|
1.29%
|
|
Long-term capital appreciation. A fund of
funds.
|
LVIP Vanguard Domestic Equity ETF Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.55%2
|
16.18%
|
12.43%
|
13.50%
|
|
Long-term capital appreciation. A fund of
funds.
|
LVIP Vanguard International Equity ETF
Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.57%2
|
31.23%
|
7.02%
|
7.87%
|
|
Long-term capital appreciation.
|
LVIP Wellington SMID Cap Value Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
1.03%2
|
2.16%
|
8.97%
|
8.26%
|
|
Capital appreciation.
|
MFS® VIT Growth Series - Service Class
advised by Massachusetts Financial
Services Company
|
0.98%2
|
11.90%
|
10.82%
|
15.31%
|
|
Total return.
|
MFS® VIT Total Return Series - Service
Class
advised by Massachusetts Financial
Services Company
|
0.86%2
|
10.91%
|
6.16%
|
7.36%
|
|
Total return.
|
MFS® VIT Utilities Series - Service Class
advised by Massachusetts Financial
Services Company
|
1.03%2
|
14.76%
|
7.38%
|
9.22%
|
|
Long-term capital appreciation.
|
Nomura VIP Emerging Markets Series -
Service Class
|
1.46%2
|
80.77%
|
8.48%
|
11.85%
|
|
Capital appreciation.
|
Nomura VIP Small Cap Value Series -
Service Class
|
1.04%
|
7.83%
|
8.93%
|
8.84%
|
|
Maximum real return, consistent with
prudent investment management.
|
PIMCO VIT CommodityRealReturn®
Strategy Portfolio - Advisor Class
advised by Pacific Investment Management
Company, LLC
This fund is not available in contracts
issued on or after January 9, 2017.
|
3.29%2
|
18.85%
|
10.47%
|
6.43%
|
|
Balanced investment composed of a well-
diversified portfolio of stocks and bonds
which produce both capital growth and
current income.
|
Putnam VT George Putnam Balanced Fund
- Class IB
|
0.88%
|
13.95%
|
8.85%
|
10.17%
|
|
Capital growth and current income.
|
Putnam VT Large Cap Value Fund - Class IB
|
0.79%
|
20.35%
|
15.38%
|
13.30%
|
A-12
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current
Expenses
|
Average Annual Total
Returns (as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Long-term capital appreciation.
|
Putnam VT Sustainable Future Fund - Class
IB
|
1.05%2
|
2.66%
|
1.19%
|
9.60%
|
|
Long-term capital appreciation.
|
Putnam VT Sustainable Leaders Fund -
Class IB
|
0.88%
|
10.69%
|
10.34%
|
14.69%
|
|
High current income consistent with
preservation of capital; capital appreciation
is a secondary objective.
|
Templeton Global Bond VIP Fund - Class 2
advised by Franklin Advisers, Inc.
This fund is not available in contracts
issued on or after January 9, 2017.
|
0.75%2
|
15.73%
|
-0.96%
|
-0.15%
|
1
The name of the adviser or sub-adviser is not listed if the name is incorporated into the name of the fund or the fund company.
2
This fund is subject to an expense reimbursement or fee waiver arrangement. As a result, this fund's annual expenses reflect temporary expense reductions. See the fund prospectus for additional information.
3
The Index to which this fund is managed to is a product of S&P Dow Jones Indices LLC (SPDJI) and has been licensed for use by one or more of the portfolio's service providers (licensee). Standard & Poor's®, S&P®, S&P GSCI® and S&P 500® are registered trademarks of S&P Global, Inc. or its affiliates (S&P) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones). The trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by the licensee. The licensee's products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or their third party licensors, and none of these parties or their respective affiliates or third party licensors make any representation regarding the advisability of investing in such products, nor do they have liability for any errors, omissions, or interruptions of the Index.
4
"Standard & Poor's®," "S&P®," "Standard & Poor's Equal Weight Index," "S&P EWI," "S&P 500®," "Standard & Poor's 500" and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by the Invesco V.I. Equally-Weighted S&P 500 Fund. The fund is not sponsored, endorsed, sold or promoted by S&P, and S&P makes no representation regarding the advisability of investing in the fund.
5
Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). The trademark has been licensed to S&P Dow Jones Indices LLC and has been sublicensed for use for certain purposes by First Trust Advisors L.P. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the product.
6
The Nasdaq-100 Index® includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market® based on market capitalization. NASDAQ®, and Nasdaq-100 Index®, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the "Corporations") and are licensed for use by The Lincoln National Life Insurance Company. The fund is not sponsored, endorsed, sold or promoted by NASDAQ, and NASDAQ makes no representation regarding the advisability of purchasing the fund.
Fixed Options
The following is a list of fixed account options currently available under the Contract. We may change the features of the fixed account options listed below, offer new fixed account options, and terminate existing fixed account options. We will provide you with written notice at least 30 days prior to the date of any change. Depending on the optional benefits you choose, you may not be able to invest in a fixed account option.
|
Name
|
Term
|
Minimum Guaranteed Interest Rate
|
|
DCA Fixed Account
|
3 -60 months
|
1.50%
|
A-13
Appendix B - Investment Requirements
If you purchase a Living Benefit Rider (except i4LIFE® Advantage without the Guaranteed Income Benefit), you will be subject to Investment Requirements. This means you will be limited in your choice of Subaccount investments and may be limited in how much you can invest in certain Subaccounts. This also means you will not be able to allocate Contract Value to all of the Subaccounts that are available to Contractowners who have not elected a Living Benefit Rider. We impose Investment Requirements to reduce the risk of investment losses that may require us to use our own assets to make guaranteed payments under a Living Benefit Rider.
If you elected Lincoln ProtectedPay Secure Core® and Estate LockSM, Lincoln ProtectedPay Secure Core®, Lincoln ProtectedPay Secure Plus®, Lincoln ProtectedPay Secure Max®, Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk) or i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk), you must allocate your Contract Value among one or more of the Subaccounts listed in the Investment Requirements for Managed Risk Riders section below. If you elect any other Living Benefit Riders, you must allocate your Contract Value among one or more of the Subaccounts listed in the Investment Requirements for i4LIFE® Advantage Select Guaranteed Income Benefit or other Living Benefits Sections below. Currently, if you purchase i4LIFE® Advantage without the Guaranteed Income Benefit, you will not be subject to any Investment Requirements, although we reserve the right to impose Investment Requirements for this rider in the future. If we do exercise our right to do so, you will have to reallocate your Account Value subject to such requirements.
If you elect a Living Benefit Rider, Investment Requirements apply whether you purchase the rider at contract issue, or add it to an existing Contract. You must hold the rider for a minimum period of time after election (the minimum time is specified under the Termination section of each rider). During this time, you will be required to adhere to the Investment Requirements. After this time, failure to adhere to the Investment Requirements will result in termination of the rider.
Certain Living Benefit Riders guarantee you the right to transition to a version of i4LIFE® Advantage Guaranteed Income Benefit even if that version is no longer available for purchase. If you transition to i4LIFE® Advantage Guaranteed Income Benefit, the Investment Requirements under your Prior Living Benefit Rider continue to apply. See i4LIFE® Advantage - i4LIFE® Advantage Guaranteed Income Benefit Transitions for a discussion of this transition.
Certain underlying funds that are included in the Investment Requirements, including funds managed by an adviser affiliated with us, employ risk management strategies that are intended to control the funds' overall volatility, and for some funds, to also reduce the downside exposure of the funds during significant market downturns. These funds are included under Investment Requirements (particularly in the Investment Requirements for the Managed Risk and Secure riders) in part because the reduction in volatility helps us to reduce the risk of investment losses that may require us to use our own assets to make guaranteed payments under a Living Benefit Rider. At the same time, risk management strategies in periods of high market volatility or other market conditions, could limit your participation in market gains. This may conflict with your investment objectives by limiting your ability to maximize potential growth of your Contract Value and, in turn, the value of any guaranteed benefit that is tied to investment performance. You should consult with your registered representative to determine whether these funds align with your investment objectives. For more information about the funds and the investment strategies they employ, please refer to the funds' current prospectuses. Fund prospectuses are available by contacting us.
If you purchase a Living Benefit Rider (except i4LIFE® Advantage without the Guaranteed Income Benefit), you agree to be automatically enrolled in the portfolio rebalancing option under your Contract and thereby authorize us to automatically rebalance your Contract Value on a periodic basis. (This portfolio rebalancing will continue while a death claim is being settled, if the Living Benefit Rider could continue on an additional measuring life.) On each quarterly anniversary of the effective date of the rider, we will rebalance your Contract Value in accordance with your allocation instructions in effect at the time of the rebalancing. Any reallocation of Contract Value among the Subaccounts made by you prior to a rebalancing date will become your allocation instructions for rebalancing purposes. Confirmation of the rebalancing will appear on your quarterly statement. If we rebalance Contract Value from the Subaccounts and your allocation instructions do not comply with the Investment Requirements, portfolio rebalancing will be paused, and any subsequent transfer requests will be considered not in Good Order until updated allocation instructions are received. These investments will become your allocation instructions until you tell us otherwise.
Some investment options are not available to you if you purchase certain riders. The Investment Requirements may not be consistent with an aggressive investment strategy. You should consult with your registered representative to determine if the Investment Requirements are consistent with your investment objectives.
For certain Living Benefit Riders, the Subaccounts of your Contract are divided into groups and have specified minimum or maximum percentages of Contract Value that must be in each group at the time you purchase the rider. Please review the Investment Requirements below to determine which Investment Requirements apply to your rider. You can select the percentages of Contract Value to allocate to individual Subaccounts within each group, but the total investment for all Subaccounts within the group must comply with the specified minimum or maximum percentages for that group. We may change the list of Subaccounts in a group, change the number of groups, change the minimum or maximum percentages of Contract Value allowed in a group, change the investment options that are or are not available to you, or change the rebalancing frequency at any time in our sole discretion. For other Living Benefit Riders, we may only make certain Subaccounts available to you, which are listed below.
B-1
For all Living Benefit Riders, we may make Subaccounts unavailable to you at any time in our sole discretion. You will be notified at least 30 days prior to the date of any change. We may make such modifications at any time when we believe the modifications are necessary to protect our ability to provide the guarantees under these riders. Our decision to make modifications will be based on several factors, including the general market conditions and the style and investment objectives of the subaccount investments.
At the time you receive notice of a change to the Investment Requirements, you may:
1.
submit your own reallocation instructions for the Contract Value, before the effective date specified in the notice, so that the Investment Requirements are satisfied; or
2.
take no action and be subject to the quarterly rebalancing as described above. If this results in a change to your allocation instructions, then these will be your new allocation instructions until you tell us otherwise; or
3.
terminate the applicable rider immediately, without waiting for a termination event, if you do not wish to be subject to these Investment Requirements.
Investment Requirements for i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) purchased on or after May 21, 2018 and prior to May 18, 2020. If you elect i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) on or after May 21, 2018 and prior to May 18, 2020, you must allocate 100% of your Account Value among one or more of the following Subaccounts only. Not all funds may be available, refer to Appendix A - Investment Options Available Under The Contract of this prospectus for more informa
tion.
American Funds® IS Managed Risk Asset Allocation Fund
LVIP American Century Inflation Protection Fund
LVIP American Century Select Mid Cap Managed Volatility Fund
LVIP American Global Balanced Allocation Managed Risk Fund
LVIP American Global Growth Allocation Managed Risk Fund
LVIP BlackRock Dividend Value Managed Volatility Fund
LVIP BlackRock Global Allocation Managed Risk Fund
LVIP BlackRock Growth ETF Allocation Managed Risk Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund
LVIP Blended Large Cap Growth Managed Volatility Fund
LVIP Blended Mid Cap Managed Volatility Fund
LVIP ClearBridge Franklin Select Large Cap Managed Volatility Fund
LVIP Dimensional International Equity Managed Volatility Fund
LVIP Dimensional U.S. Equity Managed Volatility Fund
LVIP Fidelity Institutional AM® Select Core Equity Managed Volatility Fund
LVIP Fidelity Institutional AM® Total Bond Fund
LVIP Franklin Templeton Core Bond Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund
LVIP Global Conservative Allocation Managed Risk Fund
LVIP Global Equity Managed Volatility Fund
LVIP Global Growth Allocation Managed Risk Fund
LVIP Global Moderate Allocation Managed Risk Fund
LVIP JPMorgan Core Bond Fund
LVIP JPMorgan Select Mid Cap Value Managed Volatility Fund
LVIP JPMorgan Short Duration Bond Fund
LVIP Multi-Manager International Equity Managed Volatility Fund
LVIP Multi-Manager Global Equity Managed Volatility Fund
LVIP Nomura Diversified Floating Rate Fund
LVIP PIMCO Low Duration Bond Fund
LVIP State Street Bond Index Fund
LVIP State Street Global Tactical Allocation Managed Volatility Fund
LVIP State Street International Managed Volatility Fund
LVIP State Street Large Cap Managed Volatility Fund
LVIP State Street Short-Term Bond Index Fund
LVIP State Street SMID Cap Managed Volatility Fund
LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP U.S. Growth Allocation Managed Risk Fund
LVIP Vanguard Bond Allocation Fund
The fixed account is only available for dollar cost averaging.
As an alternative, to satisfy these Investment Requirements, Account Value may be allocated in accordance with certain asset allocation models made available to you by your broker-dealer. If so, currently 100% of the Account Value can be allocated to one of the following models, if available:
●
70/30 Global Allocation Managed Volatility Model
●
80/20 U.S. Allocation Managed Volatility Model
You may choose only one asset allocation model at a time, though you may change to a different asset allocation model available in your Contract. If you terminate an asset allocation model, you must follow the Investment Requirements. We may exclude an asset allocation model from being available for investment at any time, in our sole discretion. You will be notified prior to the date of such a change.
B-2
Investment Requirements for Managed Risk Riders. If you elect Lincoln ProtectedPay Secure Core® and Estate LockSM, Lincoln ProtectedPay Secure Core®, Lincoln ProtectedPay Secure Plus®, Lincoln ProtectedPay Secure Max®, Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk), are transitioning to i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) from one of these riders (if applicable), or elect i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) prior to May 21, 2018 and on or after May 18, 2020, you must currently allocate your Contract Value or Account Value among one or more of the following Subaccounts only. Not all funds may be available in your Contract; refer to Appendix A - Investment Options Available Under The Contract of this prospectus for more information.
|
Group 1
Investments must be at least 20% of Contract Value or Account Value
|
Lincoln Hedged S&P 500 Conservative Fund1
LVIP American Century Inflation Protection Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP Fidelity Institutional AM® Total Bond Fund
LVIP Franklin Templeton Core Bond Fund
LVIP JPMorgan Core Bond Fund
LVIP JPMorgan Short Duration Bond Fund
LVIP Mondrian Global Income Fund2
LVIP Nomura Diversified Floating Rate Fund
LVIP PIMCO Low Duration Bond Fund
LVIP State Street Bond Index Fund
LVIP State Street Short-Term Bond Index Fund
LVIP Vanguard Bond Allocation Fund
1This fund option is only available for elections of Lincoln ProtectedPay Secure Core® and Estate LockSM, Lincoln ProtectedPay Secure Core®, Lincoln ProtectedPay Secure Plus®, Lincoln ProtectedPay Secure Max®, and i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) elections on and after May 18, 2020.
2This fund option is not available for riders purchased on or after May 21, 2018.
|
Group 2
Investments cannot exceed 80% of Contract Value or Account Value
|
American Funds® IS Managed Risk Asset Allocation Fund
Lincoln Hedged S&P 500 Fund1
Lincoln Opportunistic Hedged Equity Fund1
LVIP American Century Select Mid Cap Managed Volatility Fund
LVIP American Global Balanced Allocation Managed Risk Fund
LVIP American Global Growth Allocation Managed Risk Fund
LVIP BlackRock Dividend Value Managed Volatility Fund
LVIP BlackRock Global Allocation Managed Risk Fund
LVIP BlackRock Growth ETF Allocation Managed Risk Fund
LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund
LVIP Blended Large Cap Growth Managed Volatility Fund
LVIP Blended Mid Cap Managed Volatility Fund
LVIP ClearBridge Franklin Select Large Cap Managed Volatility Fund
LVIP Dimensional International Equity Managed Volatility Fund
LVIP Dimensional U.S. Equity Managed Volatility Fund
LVIP Fidelity Institutional AM® Select Core Equity Managed Volatility Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund
LVIP Global Conservative Allocation Managed Risk Fund
LVIP Global Equity Managed Volatility Fund
LVIP Global Growth Allocation Managed Risk Fund
LVIP Global Moderate Allocation Managed Risk Fund
LVIP JPMorgan Select Mid Cap Value Managed Volatility Fund
LVIP Multi-Manager Global Equity Managed Volatility Fund
LVIP Multi-Manager International Equity Managed Volatility Fund
LVIP State Street Global Tactical Allocation Managed Volatility Fund
LVIP State Street International Managed Volatility Fund
LVIP State Street Large Cap Managed Volatility Fund
LVIP State Street SMID Cap Managed Volatility Fund
LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP U.S. Growth Allocation Managed Risk Fund
1This fund option is only available for elections of Lincoln ProtectedPay Secure Core® and Estate LockSM, Lincoln ProtectedPay Secure Core®, Lincoln ProtectedPay Secure Plus®, Lincoln ProtectedPay Secure Max®, and i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) elections on and after May 18, 2020.
The fixed account is only available for dollar cost averaging.
B-3
As an alternative, to satisfy these Investment Requirements, you may allocate 100% of your Contract Value or i4LIFE® Advantage Account Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value or i4LIFE® Advantage Account Value among these Subaccounts, then the Subaccounts listed below that are also listed in Group 1 will be subject to the Group 1 restrictions. Any remaining Subaccounts listed below that are not listed in Group 1 will fall into Group 2 and be subject to Group 2
restrictions.
American Funds® IS Managed Risk Asset Allocation Fund
Lincoln Hedged S&P 500 Conservative Fund1
LVIP American Century Inflation Protection Fund
LVIP American Global Balanced Allocation Managed Risk Fund
LVIP American Global Growth Allocation Managed Risk Fund
LVIP BlackRock Global Allocation Managed Risk Fund
LVIP BlackRock Growth ETF Allocation Managed Risk Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund
LVIP Fidelity Institutional AM® Total Bond Fund
LVIP Franklin Templeton Core Bond Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund
LVIP Global Conservative Allocation Managed Risk Fund
LVIP Global Growth Allocation Managed Risk Fund
LVIP Global Moderate Allocation Managed Risk Fund
LVIP JPMorgan Core Bond Fund
LVIP JPMorgan Short Duration Bond Fund
LVIP Mondrian Global Income Fund2
LVIP Nomura Diversified Floating Rate Fund
LVIP PIMCO Low Duration Bond Fund
LVIP State Street Bond Index Fund
LVIP State Street Global Tactical Allocation Managed Volatility Fund
LVIP State Street Short-Term Bond Index Fund
LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP U.S. Growth Allocation Managed Risk Fund
LVIP Vanguard Bond Allocation Fund
1This fund option is only available for elections of Lincoln ProtectedPay Secure Core® and Estate LockSM, Lincoln ProtectedPay Secure Core®, Lincoln ProtectedPay Secure Plus®, Lincoln ProtectedPay Secure Max®, and i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) elections on and after May 18, 2020.
2This fund option is not available for riders purchased on or after May 21, 2018.
The fixed account, if available, is only available for dollar cost averaging.
Additionally, Contract Value may be allocated in accordance with certain asset allocation models made available to you by your broker-dealer. If so, currently 100% of the Contract Value can be allocated to one of the following models, if available:
●
70/30 Global Allocation Managed Volatility Model
●
80/20 U.S. Allocation Managed Volatility Model
You may choose only one asset allocation model at a time, though you may change to a different asset allocation model available in your Contract. If you terminate an asset allocation model, you must follow the Investment Requirements applicable to your rider. We may exclude an asset allocation model from being available for investment at any time, in our sole discretion. You will be notified prior to the date of such a change.
Investment Requirements for i4LIFE® Advantage Select Guaranteed Income Benefit purchased on or after May 21, 2018 and prior to May 18, 2020. If you elect i4LIFE® Advantage Select Guaranteed Income Benefit on or after May 21, 2018, you may allocate 100%
of your Account Value among all Subaccounts except those listed below.
AB VPS Sustainable Global Thematic Portfolio
American Funds® IS Global Small Capitalization Fund
ClearBridge Variable Mid Cap Portfolio
DWS Alternative Asset Allocation VIP Portfolio
Fidelity® VIP Growth Portfolio
First Trust Capital Strength Hedged Equity Portfolio
Lincoln Hedged Nasdaq-100 Fund
LVIP BlackRock Real Estate Fund
LVIP Franklin Templeton Multi-Factor Emerging Markets Equity Fund
LVIP Mondrian Global Income Fund
LVIP Nomura U.S. REIT Fund
LVIP State Street Emerging Markets Equity Index Fund
MFS®VIT Utilities Series
Nomura VIP Emerging Markets Series
PIMCO VIT CommodityRealReturn® Strategy Portfolio
Putnam VT Sustainable Future Fund
Templeton Global Bond VIP Fund
The fixed account, if available, is only available for dollar cost averaging.
As an alternative, to satisfy these Investment Requirements, Account Value may be allocated in accordance with certain asset allocation models made available to you by your broker-dealer. If so, currently 100% of the Account Value can be allocated to one of the following models, if available:
●
Active-Passive Global Growth Allocation Model
●
Dimensional/Vanguard Moderate Allocation Model
●
Dimensional/Vanguard Global Growth Allocation Model
●
Multi-Manager Domestic Growth Allocation Model
●
Multi-Manager Moderate Allocation Model (only available in Contracts issued prior to August 19, 2024)
You may choose only one asset allocation model at a time, though you may change to a different asset allocation model available in your Contract that meets the Investment Requirements or reallocate Account Value according to the Investment Requirements listed above. If you terminate an asset allocation model, you must follow the Investment Requirements applicable to your rider. We may exclude an asset allocation model from being available for investment at any time, in our sole discretion. You will be notified prior to the date of such a change.
B-4
Investment Requirements for other Living Benefit Riders purchased on or after November 28, 2016 (January 9, 2017 for existing Contractowners). If you elect i4LIFE® Advantage Select Guaranteed Income Benefit on or after November 28, 2016 (January 9, 2017 for existing Contractowners) but prior to May 21, 2018, Lincoln Market Select® Advantage on or after November 28, 2016 (January 9, 2017 for existing Contractowners), Lincoln ProtectedPay Select Core® and Estate LockSM, Lincoln ProtectedPay Select Core®, Lincoln ProtectedPay Select Plus®, Lincoln ProtectedPay Select Max®, Lincoln Max 6 SelectSM Advantage, or you are transitioning to i4LIFE® Advantage Select Guaranteed Income Benefit from one of these riders, you must currently allocate your Contract Value or i4LIFE® Advantage Account Value among one or more of the following Subaccounts.
|
Group 1
Investments must be at least 20% of Contract Value or Account Value.
|
LVIP American Century Inflation Protection Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP Fidelity Institutional AM® Total Bond Fund
LVIP Franklin Templeton Core Bond Fund
LVIP JPMorgan Core Bond Fund
LVIP JPMorgan Short Duration Bond Fund
LVIP Nomura Diversified Floating Rate Fund
LVIP PIMCO Low Duration Bond Fund
LVIP State Street Bond Index Fund
LVIP State Street Short-Term Bond Index Fund
LVIP Vanguard Bond Allocation Fund
|
Group 2
Investments cannot exceed 80% of Contract Value or Account Value.
|
AB VPS Discovery Value Portfolio
American Funds® IS Managed Risk Asset Allocation Fund
Fidelity® VIP Balanced Portfolio
Fidelity® VIP Contrafund® Portfolio
Fidelity® VIP FundsManager® 50% Portfolio
Fidelity® VIP Mid Cap Portfolio
First Trust Capital Strength Portfolio
First Trust Growth Strength Portfolio
First Trust International Developed Capital Strength Portfolio
First Trust/Dow Jones Dividend & Income Allocation Portfolio
Franklin Allocation VIP Fund
Franklin Income VIP Fund
Franklin Multi-Asset Variable Conservative Growth
Franklin Mutual Shares VIP Fund
Invesco V.I. Equally-Weighted S&P 500 Fund
Invesco V.I. EQV International Equity Fund
Lincoln Hedged S&P 500 Conservative Fund
Lincoln Hedged S&P 500 Fund
Lincoln Opportunistic Hedged Equity Fund
LVIP AllianceBernstein Large Cap Growth Fund
LVIP American Century Balanced Fund
LVIP American Century Capital Appreciation Fund
LVIP American Century International Fund
LVIP American Century Large Company Value Fund
LVIP American Century Mid Cap Value Fund
LVIP American Century Ultra® Fund
LVIP American Century Value Fund
LVIP American Funds Vanguard Active Passive Growth Fund
LVIP American Global Balanced Allocation Managed Risk Fund
LVIP American Global Growth Allocation Managed Risk Fund
LVIP American Global Growth Fund
LVIP American Growth Fund
LVIP American Growth-Income Fund
LVIP American International Fund
LVIP Avantis Large Cap Value Fund
LVIP Baron Growth Opportunities Fund
LVIP BlackRock Equity Dividend Fund
LVIP BlackRock Global Allocation Fund
LVIP BlackRock Global Allocation Managed Risk Fund
LVIP BlackRock Growth ETF Allocation Managed Risk Fund
LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund
LVIP Channing Small Cap Value Fund
LVIP ClearBridge Large Cap Growth Fund
LVIP Dimensional International Core Equity Fund
LVIP Dimensional U.S. Core Equity 1 Fund
LVIP Dimensional U.S. Core Equity 2 Fund
LVIP Franklin Templeton Multi-Factor International Equity Fund
LVIP Franklin Templeton Multi-Factor Large Cap Equity Fund
LVIP Franklin Templeton Multi-Factor SMID Cap Equity Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund
LVIP Global Conservative Allocation Managed Risk Fund
LVIP Global Growth Allocation Managed Risk Fund
LVIP Global Moderate Allocation Managed Risk Fund
LVIP Government Money Market Fund
LVIP JPMorgan High Yield Fund
LVIP JPMorgan Mid Cap Value Fund
LVIP JPMorgan Retirement Income Fund
LVIP JPMorgan Small Cap Core Fund
LVIP JPMorgan U.S. Equity Fund
LVIP MFS International Growth Fund
LVIP MFS Value Fund
LVIP Mondrian International Value Fund
LVIP Nomura High Yield Fund
LVIP Nomura Mid Cap Value Fund
LVIP Nomura SMID Cap Core Fund
LVIP Nomura Social Awareness Fund
LVIP Nomura U.S. Growth Fund
LVIP State Street Conservative Index Allocation Fund
LVIP State Street Global Tactical Allocation Managed Volatility Fund
LVIP State Street International Index Fund
LVIP State Street Mid-Cap Index Fund
LVIP State Street Moderate Index Allocation Fund
LVIP State Street Moderately Aggressive Index Allocation Fund
LVIP State Street S&P 500 Index Fund
LVIP State Street Small-Cap Index Fund
LVIP Structured Conservative Allocation Fund
LVIP Structured Moderate Allocation Fund
LVIP Structured Moderately Aggressive Allocation Fund
LVIP T. Rowe Price Structured Mid-Cap Growth Fund
LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP U.S. Growth Allocation Managed Risk Fund
LVIP Vanguard Domestic Equity ETF Fund
LVIP Vanguard International Equity ETF Fund
LVIP Wellington SMID Cap Value Fund
MFS® VIT Growth Series
MFS® VIT Total Return Series
Nomura VIP Small Cap Value Series
Putnam VT George Putnam Balanced Fund
Putnam VT Large Cap Value Fund
Putnam VT Sustainable Leaders Fund
As an alternative, to satisfy these Investment Requirements, you may allocate 100% of your Contract Value or i4LIFE® Advantage Account Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value or i4LIFE® Advantage Account
B-5
Value among these Subaccounts, then the Subaccounts listed below that are also listed in Group 1 will be subject to the Group 1 restrictions. Any remaining Subaccounts listed below that are not listed in Group 1 will fall into Group 2 and be subject to Group 2
restrictions.
American Funds® IS Managed Risk Asset Allocation Fund
Fidelity® VIP Balanced Portfolio
Fidelity® VIP FundsManager® 50% Portfolio
First Trust/Dow Jones Dividend & Income Allocation Portfolio
Franklin Allocation VIP Fund
Franklin Multi-Asset Variable Conservative Growth
Lincoln Hedged S&P 500 Conservative Fund
Lincoln Hedged S&P 500 Fund
Lincoln Opportunistic Hedged Equity Fund
LVIP American Century Balanced Fund
LVIP American Century Inflation Protection Fund
LVIP American Funds Vanguard Active Passive Growth Fund
LVIP American Global Balanced Allocation Managed Risk Fund
LVIP American Global Growth Allocation Managed Risk Fund
LVIP BlackRock Global Allocation Fund
LVIP BlackRock Global Allocation Managed Risk Fund
LVIP BlackRock Growth ETF Allocation Managed Risk Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund
LVIP Fidelity Institutional AM® Total Bond Fund
LVIP Franklin Templeton Core Bond Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund
LVIP Global Conservative Allocation Managed Risk Fund
LVIP Global Growth Allocation Managed Risk Fund
LVIP Global Moderate Allocation Managed Risk Fund
LVIP JPMorgan Core Bond Fund
LVIP JPMorgan Retirement Income Fund
LVIP JPMorgan Short Duration Bond Fund
LVIP Nomura Diversified Floating Rate Fund
LVIP PIMCO Low Duration Bond Fund
LVIP State Street Bond Index Fund
LVIP State Street Conservative Index Allocation Fund
LVIP State Street Global Tactical Allocation Managed Volatility Fund
LVIP State Street Moderate Index Allocation Fund
LVIP State Street Moderately Aggressive Index Allocation Fund
LVIP State Street Short-Term Bond Index Fund
LVIP Structured Conservative Allocation Fund
LVIP Structured Moderate Allocation Fund
LVIP Structured Moderately Aggressive Allocation Fund
LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP U.S. Growth Allocation Managed Risk Fund
LVIP Vanguard Bond Allocation Fund
MFS® VIT Total Return Series
Putnam VT George Putnam Balanced Fund
The fixed account is only available for dollar cost averaging.
Additionally, Contract Value or i4LIFE® Advantage Account Value may be allocated in accordance with certain asset allocation models made available to you by your broker-dealer. If so, currently 100% of the Contract Value or i4LIFE® Advantage Account Value can be allocated to one of the following models, if available:
●
Active-Passive Global Growth Allocation Model
●
Dimensional/Vanguard Global Growth Allocation Model
●
Dimensional/Vanguard Moderate Allocation Model
●
Multi-Manager Domestic Growth Allocation Model
●
Multi-Manager Moderate Allocation Model (not available in Contracts issued on or after August 19, 2024)
You may choose only one asset allocation model at a time, though you may change to a different asset allocation model available in your Contract that meets the Investment Requirements or reallocate Contract Value or i4LIFE® Advantage Account Value according to the Investment Requirements listed above. If you terminate an asset allocation model, you must follow the Investment Requirements applicable to your rider. We may exclude an asset allocation model from being available for investment at any time, in our sole discretion. You will be notified prior to the date of such a change.
Investment Requirements for i4LIFE® Advantage Guaranteed Income Benefit (version 4) purchases on or after February 8, 2016 and prior to November 28, 2016 (January 9, 2017 for existing Contractowners). If you elected i4LIFE® Advantage Guaranteed Income Benefit (version 4) on or after February 8, 2016 and prior to November 28, 2016 (January 9, 2017 for existing Contractowners), you must currently allocate your Contract Value or Account Value among one or more of the following Subaccounts.
|
Group 1
Investments must be at least 30% of Contract Value or Account Value
|
LVIP American Century Inflation Protection Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP Fidelity Institutional AM® Total Bond Fund
LVIP Franklin Templeton Core Bond Fund
LVIP JPMorgan Core Bond Fund
LVIP JPMorgan Short Duration Bond Fund
LVIP Mondrian Global Income Fund
LVIP Nomura Diversified Floating Rate Fund
LVIP PIMCO Low Duration Bond Fund
LVIP State Street Bond Index Fund
LVIP State Street Short-Term Bond Index Fund
LVIP Vanguard Bond Allocation Fund
|
Group 2
Investments cannot exceed 70% of Contract Value or Account Value
|
AB VPS Discovery Value Portfolio
Fidelity® VIP Balanced Portfolio
Fidelity® VIP Contrafund® Portfolio
Fidelity® VIP FundsManager® 50% Portfolio
Fidelity® VIP Mid Cap Portfolio
First Trust Capital Strength Portfolio
First Trust Growth Strength Portfolio
First Trust International Developed Capital Strength Portfolio
First Trust/Dow Jones Dividend & Income Allocation Portfolio
Franklin Allocation VIP Fund
Franklin Income VIP Fund
Franklin Multi-Asset Variable Conservative Growth
Franklin Mutual Shares VIP Fund
Invesco V.I. Equally-Weighted S&P 500 Fund
B-6
Invesco V.I. EQV International Equity Fund
LVIP AllianceBernstein Large Cap Growth Fund
LVIP American Century Balanced Fund
LVIP American Century Capital Appreciation Fund
LVIP American Century International Fund
LVIP American Century Large Company Value Fund
LVIP American Century Mid Cap Value Fund
LVIP American Century Ultra® Fund
LVIP American Century Value Fund
LVIP American Funds Vanguard Active Passive Growth Fund
LVIP American Global Growth Fund
LVIP American Growth Fund
LVIP American Growth-Income Fund
LVIP American International Fund
LVIP Avantis Large Cap Value Fund
LVIP Baron Growth Opportunities Fund
LVIP BlackRock Equity Dividend Fund
LVIP BlackRock Global Allocation Fund
LVIP Channing Small Cap Value Fund
LVIP ClearBridge Large Cap Growth Portfolio
LVIP Dimensional International Core Equity Fund
LVIP Dimensional U.S. Core Equity 1 Fund
LVIP Dimensional U.S. Core Equity 2 Fund
LVIP Franklin Templeton Multi-Factor International Equity Fund
LVIP Franklin Templeton Multi-Factor Large Cap Equity Fund
LVIP Franklin Templeton Multi-Factor SMID Cap Equity Fund
LVIP Government Money Market Fund
LVIP JPMorgan High Yield Fund
LVIP JPMorgan Mid Cap Value Fund
LVIP JPMorgan Retirement Income Fund
LVIP JPMorgan Small Cap Core Fund
LVIP JPMorgan U.S. Equity Fund
LVIP MFS International Growth Fund
LVIP MFS Value Fund
LVIP Mondrian International Value Fund
LVIP Nomura High Yield Fund
LVIP Nomura Mid Cap Value Fund
LVIP Nomura SMID Cap Core Fund
LVIP Nomura Social Awareness Fund
LVIP Nomura U.S. Growth Fund
LVIP State Street Conservative Index Allocation Fund
LVIP State Street International Index Fund
LVIP State Street Mid-Cap Index Fund
LVIP State Street Moderate Index Allocation Fund
LVIP State Street Moderately Aggressive Index Allocation Fund
LVIP State Street S&P 500 Index Fund
LVIP State Street Small-Cap Index Fund
LVIP Structured Conservative Allocation Fund
LVIP Structured Moderate Allocation Fund
LVIP Structured Moderately Aggressive Allocation Fund
LVIP T. Rowe Price Structured Mid-Cap Growth Fund
LVIP Vanguard Domestic Equity ETF Fund
LVIP Vanguard International Equity ETF Fund
LVIP Wellington SMID Cap Value Fund
MFS® VIT Growth Series
MFS® VIT Total Return Series
Nomura VIP Small Cap Value Series
Putnam VT George Putnam Balanced Fund
Putnam VT Large Cap Value Fund
Putnam VT Sustainable Leaders Fund
|
Group 3
Investments cannot exceed 10% of Contract Value or Account Value
|
AB VPS Sustainable Global Thematic Portfolio
American Funds® IS Global Small Capitalization Fund
DWS Alternative Asset Allocation VIP Portfolio
LVIP BlackRock Real Estate Fund
LVIP Franklin Templeton Multi-Factor Emerging Markets Equity Fund
LVIP Nomura U.S. REIT Fund
LVIP State Street Emerging Markets Equity Index Fund
MFS® VIT Utilities Series
Nomura VIP Emerging Markets Series
The fixed account is only available for dollar cost averaging.
As an alternative, to satisfy these Investment Requirements, you may allocate 100% of your Contract Value or i4LIFE® Advantage Account Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value or i4LIFE® Advantage Account Value among these Subaccounts, then the Subaccounts listed below that are also listed in Group 1 will be subject to the Group 1 restrictions. Any remaining Subaccounts listed below that are not listed in Group 1 will fall into Group 2 and be subject to Group 2
restrictions.
Fidelity® VIP Balanced Portfolio
Fidelity® VIP FundsManager® 50% Portfolio
First Trust/Dow Jones Dividend & Income Allocation Portfolio
Franklin Allocation VIP Fund
Franklin Multi-Asset Variable Conservative Growth Fund
LVIP American Century Balanced Fund
LVIP American Century Inflation Protection Fund
LVIP American Funds Vanguard Active Passive Growth Fund
LVIP BlackRock Global Allocation Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP Fidelity Institutional AM® Total Bond Fund
LVIP Franklin Templeton Core Bond Fund
LVIP JPMorgan Core Bond Fund
LVIP JPMorgan Retirement Income Fund
LVIP JPMorgan Short Duration Bond Fund
LVIP Mondrian Global Income Fund
LVIP Nomura Diversified Floating Rate Fund
LVIP PIMCO Low Duration Bond Fund
LVIP State Street Bond Index Fund
LVIP State Street Conservative Index Allocation Fund
LVIP State Street Moderate Index Allocation Fund
LVIP State Street Moderately Aggressive Index Allocation Fund
LVIP State Street Short-Term Bond Index Fund
LVIP Structured Conservative Allocation Fund
LVIP Structured Moderate Allocation Fund
LVIP Structured Moderately Aggressive Allocation Fund
LVIP Vanguard Bond Allocation Fund
MFS® VIT Total Return Series
Putnam VT George Putnam Balanced Fund
B-7
Investment Requirements for other Living Benefit Riders purchased prior to February 8, 2016. If you elected a Living Benefit Rider other than Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk) or i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk), you must currently allocate your Contract Value among one or more of the following Subaccounts only.
|
Group 1
Investments must be at least 30% of Contract Value or Account Value
|
LVIP American Century Inflation Protection Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP Fidelity Institutional AM® Total Bond Fund
LVIP Franklin Templeton Core Bond Fund
LVIP JPMorgan Core Bond Fund
LVIP JPMorgan Short Duration Bond Fund
LVIP Mondrian Global Income Fund
LVIP Nomura Diversified Floating Rate Fund
LVIP PIMCO Low Duration Bond Fund
LVIP State Street Bond Index Fund
LVIP State Street Short-Term Bond Index Fund
LVIP Vanguard Bond Allocation Fund
|
Group 2
Investments cannot exceed 70% of Contract Value or Account Value
|
All other Subaccounts offered under the Contract, except for Subaccounts in Group 3, and the fixed account and those listed below.
|
Group 3
Investments cannot exceed 10% of Contract Value or Account Value
|
AB VPS Sustainable Global Thematic Portfolio
DWS Alternative Asset Allocation VIP Portfolio
LVIP BlackRock Real Estate Fund
LVIP Franklin Templeton Multi-Factor Emerging Markets Equity Fund
LVIP Nomura U.S. REIT Fund
LVIP State Street Emerging Markets Equity Index Fund
MFS® VIT Utilities Series
Nomura VIP Emerging Markets Series
The ClearBridge Variable Mid Cap Portfolio, First Trust Capital Strength Hedged Equity Portfolio, Lincoln Hedged Nasdaq-100 Fund, Lincoln Hedged S&P 500 Conservative Fund, Lincoln Hedged S&P 500 Fund, Lincoln Opportunistic Hedged Equity Fund, LVIP BlackRock Global Growth ETF Allocation Managed Risk Fund, LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund, PIMCO VIT CommodityRealReturn Strategy Portfolio, and Putnam VT Sustainable Leaders Fund are not available. The fixed account is only available for dollar cost averaging.
As an alternative, to satisfy these Investment Requirements, you may allocate 100% of your Contract Value or i4LIFE® Advantage Account Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value or i4LIFE® Advantage Account Value among these Subaccounts, then the Subaccounts listed below that are also listed in Group 1 will be subject to the Group 1 restrictions. Any remaining Subaccounts listed below that are not listed in Group 1 will fall into Group 2 and be subject to Group 2
restrictions.
American Funds® IS Managed Risk Asset Allocation Fund
Fidelity® VIP Balanced Portfolio
Fidelity® VIP FundsManager® 50% Portfolio
First Trust/Dow Jones Dividend & Income Allocation Portfolio
Franklin Allocation VIP Fund
Franklin Income VIP Fund
Franklin Multi-Asset Variable Conservative Growth Fund
LVIP American Century Balanced Fund
LVIP American Century Inflation Protection Fund
LVIP American Funds Vanguard Active Passive Growth Fund
LVIP American Global Balanced Allocation Managed Risk Fund
LVIP American Global Growth Allocation Managed Risk Fund
LVIP BlackRock Global Allocation Fund
LVIP BlackRock Global Allocation Managed Risk Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP Fidelity Institutional AM® Total Bond Fund
LVIP Franklin Templeton Core Bond Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund
LVIP Global Conservative Allocation Managed Risk Fund
LVIP Global Growth Allocation Managed Risk Fund
LVIP Global Moderate Allocation Managed Risk Fund
LVIP JPMorgan Core Bond Fund
LVIP JPMorgan Retirement Income Fund
LVIP JPMorgan Short Duration Bond Fund
LVIP Mondrian Global Income Fund
LVIP Nomura Diversified Floating Rate Fund
LVIP Nomura High Yield Fund
LVIP PIMCO Low Duration Bond Fund
LVIP State Street Bond Index Fund
LVIP State Street Conservative Index Allocation Fund
LVIP State Street Global Tactical Allocation Managed Volatility Fund
LVIP State Street Moderate Index Allocation Fund
LVIP State Street Moderately Aggressive Index Allocation Fund
LVIP State Street Short-Term Bond Index Fund
LVIP Structured Conservative Allocation Fund
LVIP Structured Moderate Allocation Fund
LVIP Structured Moderately Aggressive Allocation Fund
LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP U.S. Growth Allocation Managed Risk Fund
LVIP Vanguard Bond Allocation Fund
MFS® VIT Total Return Series
Putnam VT George Putnam Balanced Fund
B-8
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This updating summary prospectus incorporates by reference the prospectus and statement of additional information (SAI) for the Contract, both dated May 1, 2026, as may be amended or supplemented from time to time. The SAI may be obtained, free of charge, in the same manner as the prospectus.
SEC File Nos.:
333-186894; 811-08517
EDGAR Contract Identifier:
C000126360
333-186894; 811-08517
EDGAR Contract Identifier:
C000126360
Lincoln Life Variable Annuity Account N published this content on April 24, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on April 24, 2026 at 14:26 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]