Form 497VPU LINCOLN NATIONAL VARIABL

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

Lincoln National Variable Annuity Account C

Supplement dated July 28, 2025 to the

Updating Summary Prospectus for Current Contractowners dated May 1, 2025

This Supplement to your summary prospectus outlines important changes that become effective on and after August 18, 2025. These changes are related to Appendix A – Funds Available Under The Contract. All other provisions outlined in your variable annuity prospectus, as supplemented, remain unchanged.

The following line item is added to Appendix A – Funds Available Under the Contract:

You can find the fund prospectus and other information about the Contract online at www.lfg.com/VAprospectus. You can also obtain information at no cost by contacting your registered representative or by sending an email request to [email protected].

Please retain this supplement for future reference.