Exhibit 4(h)
                                RENEWAL OPTION:
                              BONUS CREDIT RIDER

The Renewal Option: Bonus Credit Rider is made a part of the Contract to which
it is attached (this Contract). As used in this form, the Renewal Option: Bonus
Credit Rider will hereafter be referred to as "this Rider".

Right to Examine Rider. Within 10 days after the date this Rider is first
received, it may be cancelled for any reason by delivering or mailing it to the
Home Office of LNL. Upon cancellation, LNL will waive the new Contingent
Deferred Sales Charges imposed under the terms of this Rider and will re-impose
the prior Contingent Deferred Sales Charges, if any, which were waived under the
terms of this Rider. Effective as of the date of cancellation, LNL will revoke
any Bonus Credits which were paid into this Contract under the terms of this
Rider; however, LNL will assume the risk of the investment loss, if any,
proportionately attributable to those Bonus Credits. The Owner assumes all other
investment risk attributable to the Variable Account during this 10 day Right to
Examine Rider period. Effective as of the date of cancellation, LNL will also
re-credit to this Contract the mortality and distribution expense risk charges
proportionately attributable to those Bonus Credits.

This Rider is only in effect and is only applicable if: (1) the Owner of this
Contract has elected to add this Rider to this Contract; and (2) the LNL Home
Office has approved the addition of this Rider to this Contract. This Rider will
become effective on the Valuation Date at the end of the Valuation Period during
which the addition of this Rider to this Contract is approved by the LNL Home
Office. This Rider may only be elected one time.

As used in this Rider, Renewal Amount means the account value of this Contract
as of the date this Rider becomes effective.

The following two provisions shall be added to ARTICLE 1 (PURCHASE PAYMENTS) of
this Contract:

     1.09 BONUS CREDIT

     The following shall occur on the Valuation Date the election of this Rider
     becomes effective:

     1)  A Bonus Credit equal to 2.00% of the Renewal Amount will be paid into
         this Contract. The Bonus Credit will be paid only one time.

     2)  The Bonus Credit will be allocated to the Variable sub-accounts and/or
         the fixed portion of this Contract in the same proportion as the
         Renewal Amount is allocated to the Variable sub-accounts and/or the
         fixed portion of this Contract.

     3)  The Bonus Credit is not considered a Purchase Payment.

     1.10 RENEWAL OPTION

     The following shall occur on the Valuation Date the election of this Rider
     becomes effective:

     1)  For purposes of Section 2.11 (Surrender Option) of this Contract, the
         Renewal Amount will be considered a Purchase Payment and will be
         subject to a new Contingent Deferred Sales Charge according to the
         terms of this Contract.

     2)  Contingent Deferred Sales Charges, if any, will be waived on all
         Purchase Payments made to this Contract before the effective date of
         this Rider.

The following language shall replace the third paragraph of Section 2.11
(SURRENDER OPTION) of this Contract:

     The Contingent Deferred Sales Charge does not apply to: (1) Purchase
     Payments made to this Contract prior to the effective date of this Rider;
     (2) surrender of this Contract as a result of the total and permanent
     disability of the Annuitant; (3) surrender of this Contract as a result of
     the death of the Annuitant, the Owner, or the Joint Owner (if there are two
     or more Joint Owners, this means the Joint Owner pre-designated for payment
     of the Death Benefit as defined in Section 2.13); or (4) annuitization of
     any Purchase Payment received more than 12 months prior to the Valuation
     Date the surrender value is applied to an Annuity Payment Option.

                  The Lincoln National Life Insurance Company

                        Nancy J. Alford, Vice President