|
FEES AND EXPENSES |
Location in
Prospectus |
Charges for Early
Withdrawals |
There are no surrender charges associated with this Contract. |
•N/A |
Transaction
Charges |
There are no sales charges associated with this Contract. |
•N/A |
Ongoing Fees and
Expenses (annual
charges) |
Minimum and Maximum Annual Fee Table. The table below describes the fees and
expenses that you may pay each year, depending on the options you choose. Please
refer to your contract specifications page for information about the specific fees you will
pay each year based on the options you have elected. |
•Fee Tables •Examples •Charges and
Other
Deductions | ||
Annual Fee |
Minimum |
Maximum | ||
Base Contract |
|
| ||
Base Contract – Guaranteed Withdrawal
Benefit |
|
| ||
Investment options (fund fees and
expenses) |
|
| ||
1 | ||||
2 | ||||
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. |
|
Lowest Annual Cost: $ |
Highest Annual Cost: $ |
| |
|
Assumes: |
Assumes: |
| |
|
•Investment of $100,000 •5% annual appreciation •Least expensive fund fees and
expenses •No additional Purchase Payments,
transfers, or withdrawals |
•Investment of $100,000 •5% annual appreciation •Most expensive fund fees and expenses •No additional Purchase Payments,
transfers, or withdrawals |
|
|
RISKS |
Location in
Prospectus | ||
Risk of Loss |
• |
•Principal Risks •Investments of
the Variable
Annuity
Account | ||
Not a Short-Term
Investment |
|
•Principal Risks •Surrender and
Withdrawals •Fee Tables |
|
RISKS |
Location in
Prospectus |
Risks Associated
with Investment
Options |
|
•Principal Risks •Investments of
the Variable
Annuity
Account | ||
Insurance
Company Risks |
•
|
•Principal Risks |
|
RESTRICTIONS |
Location in
Prospectus | ||
Investments |
|
•Principal Risks •Investments of
the Variable
Annuity
Account | ||
|
TAXES |
Location in
Prospectus | ||
Tax Implications |
|
•Federal Tax
Matters | ||
|
CONFLICTS OF INTEREST |
Location in
Prospectus | ||
Investment
Professional
Compensation |
|
•Distribution of
the Contracts •Principal Risks | ||
Exchanges |
•
|
•N/A |
There are |
|
Base Contract Expense (as a percentage of average Account Value in the Subaccount): |
|
|
Base Contract Expense |
|
|
|
|
|
Guaranteed Withdrawal Benefit1
|
|
|
Guaranteed Maximum Annual Charge |
|
|
Current Annual Charge |
|
|
Annual Fund Expenses |
Minimum |
Maximum |
|
% |
% |
Expenses that are deducted from the fund assets, including
management fees, distribution and/or service (12b-1) fees, and other
expenses after any waivers or expense reimbursements.1 |
0.60
% |
0.75
% |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
Base Contract Expense |
0.25
% |
| |||
|
|
Maximum Fee |
|
|
|
• |
|
|
AAV |
Income Base |
Initial Rollover Money $50,000 |
$50,000 |
$50,000 |
Valuation Date immediately prior to 1st Benefit Year anniversary |
$54,000 |
$54,000 |
Valuation Date immediately prior to 2nd Benefit Year anniversary |
$53,900 |
$54,000 |
Valuation Date immediately prior to 3rd Benefit Year anniversary |
$57,000 |
$57,000 |
Valuation Date immediately prior to 4th Benefit Year anniversary |
$64,000 |
$64,000 |
Total Purchase Payment during Year 1 (Table 1 in effect) |
$5,000 |
Automatic Step-Up of Income Base to market value on Benefit Year anniversary |
$5,900 |
Total Purchase Payments during Year 2 (Table 2 in effect) |
$5,000 |
Market loss so no Automatic Step-Up on Benefit Year anniversary |
$10,900 |
Age |
Guaranteed
Annual Income amount
percentage (Single Life Option) |
Guaranteed Annual Income
amount percentage
(Joint Life Option) |
At Least 55 and under 65 |
4
% |
3.5
% |
65-70 |
5
% |
4.5
% |
71+ |
6
% |
5.5
% |
AAV on the Guaranteed Annual Income Effective Date |
$200,000 |
Income Base on the Guaranteed Annual Income Effective Date |
$200,000 |
Initial Guaranteed Annual Income amount on the Guaranteed
Annual Income Effective Date ($200,000 x 4%) |
$8,000 |
AAV six months after Guaranteed Annual Income Effective Date |
$210,000 |
Income Base six months after Guaranteed Annual Income Effective
Date |
$200,000 |
Withdrawal six months after Guaranteed Annual Income Effective
Date when Annuitant is still age 58 |
$8,000 |
AAV after withdrawal ($210,000 - $8,000) |
$202,000 |
Income Base after withdrawal ($200,000 - $0) |
$200,000 |
AAV on next Benefit Year anniversary |
$205,000 |
Income Base on next Benefit Year anniversary |
$205,000 |
Guaranteed Annual Income amount on next Benefit Year
anniversary |
$8,200 |
|
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
|
|
|
1 year |
5 year |
10 year |
|
advised by
|
|
|
|
|
|
advised by
|
|
|
|
|
Contents
|
Page
|
B-4
|
|
B-4
|
|
B-4
|
|
B-4
|
|
B-4
|
|
B-5
|
|
B-5
|
Name
|
Positions and Offices with Depositor
|
Craig T. Beazer*
|
Executive Vice President, General Counsel and Director
|
Jayson R. Bronchetti*
|
Executive Vice President, Chief Investment Officer and Director
|
Adam M. Cohen*
|
Senior Vice President, Chief Accounting Officer and Treasurer
|
Ellen G. Cooper*
|
President and Director
|
Stephen B. Harris*
|
Senior Vice President and Chief Ethics and Compliance Officer
|
Christopher M. Neczypor*
|
Executive Vice President, Chief Financial Officer and Director
|
Nancy A. Smith*
|
Senior Vice President and Secretary
|
Joseph D. Spada**
|
Vice President and Chief Compliance Officer for Separate Accounts
|
Eric B. Wilmer***
|
Assistant Vice President and Director
|
Name
|
Positions and Offices with Underwriter
|
Adam M. Cohen*
|
Senior Vice President and Treasurer
|
Jason M. Gibson**
|
Vice President and Chief Compliance Officer
|
Claire H. Hanna*
|
Secretary
|
John C. Kennedy*
|
President, Chief Executive Officer and Director
|
Jared M. Nepa*
|
Senior Vice President and Director
|
Thomas P. O'Neill*
|
Senior Vice President, Chief Operating Officer and Head of Financial
Institutions Group
|
Timothy J. Seifert Sr*
|
Senior Vice President and Director
|
SIGNATURES
(a) | As required by the Securities Act of 1933 and the Investment Company Act of 1940, each Registrant certifies that it meets the requirements of Securities Act Rule 485(b) for effectiveness of these registration statements and has caused these Post-Effective Amendments to the registration statements to be signed on its behalf, in the City of Fort Wayne, and the State of Indiana on this 2nd day of April, 2024 at 9:40 am. |
Lincoln National Variable Annuity Account C
Lincoln National Variable Annuity Account L
Lincoln Life Variable Annuity Account Q
(Registrants) | By: | /s/ John D. Weber |
John D. Weber | ||
Vice President, The Lincoln National Life Insurance Company |
Signed on its behalf, in the City of Hartford, and the State of Connecticut on this 2nd day of April, 2024 at 11:47 am.
The Lincoln National Life Insurance Company
(Depositor)
By: | /s/ Matthew L. Condos | |
Matthew L. Condos | ||
(Signature-Officer of Depositor) | ||
Senior Vice President, The Lincoln National Life Insurance Company |
Lincoln National Variable Annuity Account C (File No. 811-03214; CIK: 0000353894)
033-25990 (Amendment No. 69) | 333-179107 (Amendment No. 18) | ||
333-112927 (Amendment No. 34) | 333-267957 (Amendment No. 4) |
Lincoln National Variable Annuity Account L (File No. 811-07645; CIK: 0001015434)
333-04999 (Amendment No. 39) | 333-187069 (Amendment No. 15) | 333-187070 (Amendment No. 15) |
333-187071 (Amendment No. 15) | 333-187072 (Amendment No. 15) | 333-198911 (Amendment No. 12) |
333-198912 (Amendment No. 12) | 333-198913 (Amendment No. 12) | 333-198914 (Amendment No. 12) |
Lincoln Life Variable Annuity Account Q (File No. 811-08569; CIK: 0001048604)
333-43373 (Amendment No. 35) |
(b) | As required by the Securities Act of 1933, these Amendments to the registration statements have been signed by the following persons in their capacities indicated on April 2, 2024 at 9:40 am. |
Signature | Title | ||
*/s/ Ellen G. Cooper | President and Director | ||
Ellen G. Cooper | (Principal Executive Officer) | ||
*/s/ Christopher M. Neczypor | Executive Vice President, Chief Financial Officer, and Director | ||
Christopher M. Neczypor | |||
* /s/ Craig T. Beazer | Executive Vice President and Director | ||
Craig T. Beazer | |||
* /s/ Jayson R. Bronchetti | Executive Vice President, Chief Investment Officer, and Director | ||
Jayson R. Bronchetti | |||
* /s/ Adam M. Cohen | Senior Vice President and Chief Accounting Officer (Principal Accounting Officer) | ||
Adam M. Cohen | |||
*/s/ Eric B. Wilmer | Assistant Vice President and Director | ||
Eric B. Wilmer | |||
* By | /s/ John D. Weber, Pursuant to a Power of Attorney | ||
John D. Weber |
Exhibit (l)(1)
Consent of Independent Registered Public Accounting Firm
We consent to the references to our firm under the caption "Independent Registered Public Accounting Firm " in the Prospectus and Statement of Additional Information, dated April 23, 2024, and included in this Post-Effective Amendment No. 12 to the Registration Statement (Form N-4, File No. 333-198912) of Lincoln National Variable Annuity Account L (the “Registration Statement”).
We also consent to the use of our reports (1) dated March 15, 2024, with respect to the consolidated financial statements of The Lincoln National Life Insurance Company and (2) dated April 17, 2024, with respect to the financial statements of each of the subaccounts within Lincoln National Variable Annuity Account L, for the year ended December 31, 2023, included in this Registration Statement, filed with the Securities and Exchange Commission.
Philadelphia, Pennsylvania
April 23, 2024
POWER OF ATTORNEY
We, the undersigned directors and/or officers of The Lincoln National Life Insurance Company, hereby constitute and appoint Delson R. Campbell, Scott C. Durocher, Kimberly A. Genovese, Daniel P. Herr, Michelle Grindle, Jeffrey L. Smith, Jassmin McIver-Jones, Carolyn Augur, Rachel C. Fischer, Nadine Rosin, Brittany Speas and John D. Weber, individually, our true and lawful attorneys-in-fact, with full power to each of them to sign for us, in our names and in the capacities indicated below, any Registration Statements and any and all amendments to Registration Statements; including exhibits, or other documents filed on Forms N-6, N-4 or S-3 or any successors or amendments to these Forms, filed with the Securities and Exchange Commission, under the Securities Act of 1933 and/or Securities Act of 1940, on behalf of the Company in its own name or in the name of one of its Separate Accounts, hereby ratifying and confirming our signatures as they may be signed by any of our attorneys-in-fact to any such amendments to said Registration Statements as follows:
Variable Life Insurance Separate Accounts:
Account | Product name |
Lincoln Life Flexible Premium Variable Life Account D (811-04592) | Variable Universal Life Leadership Series |
Lincoln Life Flexible Premium Variable Life Account F (811-05164) |
American Legacy Life American Legacy Estate Builder |
Lincoln Life Flexible Premium Variable Life Account G (811-05585) | VUL-III |
Lincoln Life Flexible Premium Variable Life Account J (811-08410) | American Legacy Variable Life |
Lincoln Life Flexible Premium Variable Life Account K (811-08412) | Multi Fund Variable Life |
Lincoln Life Flexible Premium Variable Life Account M (811-08557)
|
VULdb / VULdb ES VULdb-II ES VUL-I / VULcv VULcv-II / VULcvII ES / VUL Flex VULcv-III ES MoneyGuard VUL VULone ES / VULone 2005 ES Momentum VULone / Momentum VULone 2005 VULcv-IV ES VULdb-IV ES Momentum VULone 2007 VULone 2007 AssetEdge VUL AssetEdge VUL2015/AssetEdge Exec VUL 2015 VULone2012 VULone2014 InReach VULone2014 VULone2019 AssetEdge VUL2019/AssetEdge Exec VUL 2019 AssetEdge VUL2019-2/AssetEdge Exec VUL 2019-2 AssetEdge VUL2020/AssetEdge Exec VUL 202 AssetEdge VUL 2022/AssetEdge VUL 2022-2 MoneyGuard Market Advantage VULone2021 LifeGoals VUL MoneyGuard Market Advantage 2024 |
Lincoln Life Flexible Premium Variable Life Account R (811-08579) |
SVUL / SVUL-I SVUL-II / SVUL-II ES SVUL-III ES SVUL-IV ES / PreservationEdge SVUL SVULone ES Momentum SVULone SVULone 2007 ES Momentum SVULone 2007 SVULone2013 SVULone2016 SVULone2019 SVULone2021 |
Lincoln Life Flexible Premium Variable Life Account S (811-09241) |
CVUL / CVUL Series III / CVUL Series III ES LCV4 ES LCV5 ES / LCC VUL Lincoln Corporate Executive VUL |
Lincoln Life Flexible Premium Variable Life Account Y (811-21028) |
American Legacy VULcv-III American Legacy VULdb-II American Legacy SVUL-II American Legacy SVUL-III American Legacy VULcv-IV American Legacy VULdb-IV American Legacy SVUL-IV/PreservationEdge SVUL American Legacy AssetEdge |
Lincoln Life Flexible Premium Variable Life Account JF-A |
Ensemble II Ensemble III Ensemble Exec 2006 Ensemble Exec Ensemble 1 Ensemble Accumulator Ensemble Protector |
Lincoln Life Flexible Premium Variable Life Account JF-C |
Ensemble SL Ensemble SVUL |
Variable Annuity Separate Accounts:
Account | Product name |
Lincoln National Variable Annuity Account C (811-03214) |
Multi-Fund Multi-Fund Select Multi-Fund 5 Retirement Annuity Lincoln PathBuilder Income® IRA |
Lincoln National Variable Annuity Account E (811-04882) | The American Legacy |
Lincoln National Variable Annuity Account H (811-05721) |
American Legacy II American Legacy III American Legacy III B Class American Legacy III C Share American Legacy III Plus American Legacy III View American Legacy Design American Legacy Signature American Legacy Fusion American Legacy Series American Legacy Advisory American Legacy Target Date Income B Share American Legacy Target Date Income Advisory Shareholder’s Advantage Shareholder’s Advantage A Class Shareholder’s Advantage purchased on and after May 21, 2018 |
Lincoln National Variable Annuity Account L (811-07645) |
Group Variable Annuity Lincoln PathBuilder Income Version 1 Lincoln PathBuilder Income Version 2 Lincoln PathBuilder Income Version 3 Lincoln PathBuilder Income Version 4 Retirement Income Rollover Version 1 Retirement Income Rollover Version 2 Retirement Income Rollover Version 3 Retirement Income Rollover Version 4 |
Lincoln Life Variable Annuity Account N (811-08517) |
ChoicePlus Assurance (A Share) ChoicePlus Assurance (A Class) ChoicePlus Assurance (B Share) ChoicePlus Assurance (B Class) ChoicePlus Assurance (C Share) ChoicePlus Assurance (L Share) ChoicePlus Assurance (Bonus) Choice Plus Choice Plus II ChoicePlus Access ChoicePlus II Access ChoicePlus Bonus ChoicePlus II Bonus |
ChoicePlus II Advance ChoicePlus Design ChoicePlus Signature ChoicePlus Rollover ChoicePlus Fusion ChoicePlus Series ChoicePlus Prime ChoicePlus Advisory ChoicePlus Select B-Share InvestmentSolutions InvestmentSolutions RIA Lincoln Investor Advantage Lincoln Invester Advantage 2018 Lincoln Invester Advantage Pro Lincoln Investor Advantage Fee-Based Lincoln Investor Advantage RIA Lincoln Investor Advantage Advisory Lincoln Investor Advantage Pro Advisory Lincoln Investor Advantage RIA Class Lincoln Investor Advantage Advisory Choice Lincoln Investor Advantage Pro Advisory Choice Lincoln Level Advantage B Share Indexed Variable Annuity Lincoln Level Advantage Advisory Indexed Variable Annuity Lincoln Level Advantage B Class Indexed Variable Annuity Lincoln Level Advantage Advisory Class Indexed Variable Annuity Lincoln Level Advantage Fee-Based Indexed Variable Annuity Lincoln Level Advantage Select B-Share Indexed Variable Annuity Lincoln Level Advantage Design B-Share Indexed Variable Annuity Lincoln Level Advantage Design Advisory Indexed Variable Annuity Lincoln Level Advantage Access Indexed Variable Annuity Core Income | |
Lincoln Life Variable Annuity Account Q (811-08569) | Multi-Fund Group |
Lincoln Life S-3 Registration Statement |
Lincoln Level Advantage B Share Indexed Variable Annuity Lincoln Level Advantage Advisory Indexed Variable Annuity Lincoln Level Advantage B Class Indexed Variable Annuity Lincoln Level Advantage Advisory Class Indexed Variable Annuity Lincoln Level Advantage Fee-Based Indexed Variable Annuity Lincoln Level Advantage Select B Share Indexed Variable Annuity Lincoln Level Advantage Design B-Share Indexed Variable Annuity Lincoln Level Advantage Design Advisory Indexed Variable Annuity Lincoln Level Advantage Access Indexed Variable Annuity Lincoln Level Advantage 2 B Share Indexed-Linked Annuity Lincoln Level Advantage 2 Advisory Indexed-Linked Annuity Lincoln Level Advantage 2 Advisory Class Indexed-Linked Annuity Lincoln Level Advantage 2 Select B Share Indexed-Linked Annuity Lincoln Level Advantage 2 Access Indexed-Linked Annuity |
Except as otherwise specifically provided herein, the power-of-attorney granted herein shall not in any manner revoke in whole or in part any power-of-attorney that each person whose signature appears below has previously executed. This power-of-attorney shall not be revoked by any subsequent power-of-attorney each person whose signature appears below may execute, unless such subsequent power specifically refers to this power-of-attorney or specifically states that the instrument is intended to revoke all prior general powers-of-attorney or all prior powers-of-attorney.
This Power-of-Attorney may be executed in separate counterparts each of which when executed and delivered shall be an original; but all such counterparts shall together constitute one and the same instrument. Each counterpart may consist of a number of copies, each signed by less than all, but together signed by all, of the undersigned.
Signature | Title | |
/s/Ellen G. Cooper | President and Director | |
Ellen G. Cooper | ||
/s/Christopher M. Neczypor | Executive Vice President, Chief Financial Officer and Director | |
Christopher M. Neczypor | ||
/s/Craig T. Beazer | Executive Vice President, General Counsel and Director | |
Craig T. Beazer | ||
/s/Eric B. Wilmer | Assistant Vice President and Director | |
Eric B. Wilmer | ||
/s/Jayson R. Bronchetti | Executive Vice President, Chief Investment Officer and Director | |
Jayson R. Bronchetti | ||
/s/Adam M. Cohen | Senior Vice President, Chief Accounting Officer and Treasurer | |
Adam M. Cohen |
We, Delson R. Campbell, Kimberly A. Genovese, Daniel P. Herr, Michelle Grindle, Jeffrey L. Smith, Jassmin McIver-Jones, Carolyn Augur, Rachel C. Fischer, Nadine Rosin, Brittany Speas and John D. Weber, have read the foregoing Power of Attorney. We are the person(s) identified therein as agent(s) for the principal named therein. We acknowledge our legal responsibilities.
/s/Delson R. Campbell | /s/Rachel C. Fischer | |
Delson R. Campbell | Rachel C. Fischer | |
/s/Kimberly A. Genovese | /s/Daniel P. Herr | |
Kimberly A. Genovese | Daniel P. Herr | |
/s/Nadine Rosin | /s/Michelle Grindle | |
Nadine Rosin | Michelle Grindle | |
/s/Jeffrey L. Smith | /s/John D. Weber | |
Jeffrey L. Smith | John D. Weber | |
/s/Jassmin McIver-Jones | /s/Carolyn Augur | |
Jassmin McIver-Jones | Carolyn Augur | |
/s/Brittany Speas | ||
Brittany Speas |
Version dated: March 2024
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