Lincoln Life Variable Annuity Account N has announced an update to its rate sheet for the Select Advantage rider, which will take effect on November 16, 2026. This change is significant for both the company and its policyholders, as it reflects adjustments in fees and charges associated with their annuity products.

The announcement comes as part of Lincoln Life's ongoing efforts to remain competitive in the investment sector. The new rates are designed to enhance the attractiveness of their offerings, which may influence customer decisions and potentially affect the broader market landscape.

Background

Lincoln Life Variable Annuity Account N, a subsidiary of The Lincoln National Life Insurance Company, operates within the investment sector. The company is incorporated in Indiana and has its business address in Fort Wayne, Indiana. The firm primarily focuses on providing variable annuity products, which are designed to help customers save for retirement while offering various investment options.

Recent filings indicate that Lincoln Life has been active in updating its offerings, with multiple submissions made on November 6, 2026, including this rate sheet under the SEC filing type 497 (accession number 0000726865-26-001081).

What the Filing Says

The filing provides details about the new rates for the Select Advantage rider, stating, "This Rate Sheet must be retained with the current prospectus." It emphasizes that applications and election forms signed on or after November 16, 2026, will be subject to these new rates.

Additionally, the filing notes that the rates can be superseded at any time, and any changes will take effect at least 10 days after being filed. This flexibility allows the company to adjust its offerings in response to market conditions.

Impact

The updates in the rate sheet may affect current and prospective policyholders of Lincoln Life's variable annuity products. Customers will need to be aware of the new charges and fees associated with their policies, which may influence their investment decisions. The changes could also impact the competitive landscape within the investment sector, as other firms may need to adjust their offerings in response.

What's Next

The filing does not specify what happens next, but it is expected that Lincoln Life will continue to monitor market conditions and customer feedback to refine its product offerings. Stakeholders, including financial professionals, will likely keep a close eye on any further updates or changes in the company's annuity products.