Form 485BPOS LINCOLN LIFE & ANNUITY
(Exact Name of Registrant)
(Name of Depositor)
Syracuse, New York 13202
(Address of Depositor’s Principal Executive Offices)
Lincoln Life & Annuity Company of New York
120 Madison Street, Suite 1310
Syracuse, New York 13202
(Name and Address of Agent for Service)
Carolyn E. Augur, Esquire
The Lincoln National Life Insurance Company
350 Church Street
Hartford, Connecticut 06103
Interests in a separate account under individual flexible
payment deferred variable annuity contracts.
|
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
Single Life PAI Rate |
Joint Life PAI Rate | ||||||
Age |
Rate |
Age |
Rate |
Age |
Rate |
Age |
Rate |
48 |
3.00% |
67 |
6.10% |
48 |
2.40% |
67 |
5.70% |
49 |
3.10% |
68 |
6.15% |
49 |
2.50% |
68 |
5.75% |
50 |
3.20% |
69 |
6.20% |
50 |
2.60% |
69 |
5.80% |
51 |
3.30% |
70 |
6.30% |
51 |
2.70% |
70 |
5.80% |
52 |
3.35% |
71 |
6.30% |
52 |
2.75% |
71 |
5.80% |
53 |
3.50% |
72 |
6.35% |
53 |
2.90% |
72 |
5.85% |
54 |
3.60% |
73 |
6.40% |
54 |
3.00% |
73 |
5.90% |
55 |
3.75% |
74 |
6.45% |
55 |
3.15% |
74 |
5.95% |
56 |
3.90% |
75 |
6.50% |
56 |
3.30% |
75 |
6.00% |
57 |
4.00% |
76 |
6.50% |
57 |
3.40% |
76 |
6.00% |
58 |
4.20% |
77 |
6.55% |
58 |
3.60% |
77 |
6.05% |
59 |
4.35% |
78 |
6.55% |
59 |
3.75% |
78 |
6.05% |
60 |
5.00% |
79 |
6.60% |
60 |
4.50% |
79 |
6.10% |
61 |
5.00% |
80 |
6.60% |
61 |
4.50% |
80 |
6.10% |
62 |
5.10% |
81 |
6.60% |
62 |
4.60% |
81 |
6.10% |
63 |
5.15% |
82 |
6.60% |
63 |
4.65% |
82 |
6.10% |
64 |
5.35% |
83 |
6.65% |
64 |
4.85% |
83 |
6.15% |
65 |
6.00% |
84 |
6.70% |
65 |
5.60% |
84 |
6.20% |
66 |
6.05% |
85 |
6.80% |
66 |
5.65% |
85 |
6.30% |
Individual Variable Annuity Contracts
Lincoln Life & Annuity Variable Annuity Account H
Lincoln Life & Annuity Company of New York
120 Madison Street, Suite 1310
Syracuse, NY 13202
www.LincolnFinancial.com
Lincoln Life & Annuity Company of New York
PO Box 2348
Fort Wayne, IN 46801-2348
1-800-942-5500
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51 | |
A-1 | |
B-1 | |
C-1 | |
D-1 |
|
FEES AND EXPENSES |
Location in
Prospectus |
Charges for Early
Withdrawals |
If you make a withdrawal in excess of the free withdrawal amount before the
anniversary since your last Purchase Payment, you may be assessed a surrender charge
of up to % of the amount withdrawn, declining to 0% over that time period.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 (7% is only
applicable for the first year) after your Purchase Payment, you could be assessed a
charge of up to $ |
•Fee Tables •Examples •Charges and
Other
Deductions –
Surrender
Charge |
Transaction
Charges |
There is currently no charge for a transfer. We reserve the right to charge a $25 fee for
each transfer if you make more than 12 transfers in one Contract Year. |
•Charges and
Other
Deductions |
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 – Contract Value Death
Benefit |
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| ||
Base Contract – Guarantee of Principal
Death Benefit |
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| ||
Investment options (fund fees and
expenses) |
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| ||
Optional benefits available for an
additional charge (for a single optional
benefit, if elected) |
|
| ||
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| ||
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| ||
|
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. This estimate assumes that you do not take withdrawals from the
Contract, which could add surrender charges that substantially increase costs. |
|
|
Lowest Annual Cost: $ |
Highest Annual Cost: $ |
| |
|
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 | ||
Risk of Loss |
• |
•Principal Risks •Investments of
the Variable
Annuity
Account | ||
Not a Short-Term
Investment |
|
•Principal Risks •Surrender and
Withdrawals •Fee Tables •Charges and
Other
Deductions •Living Benefit
Riders | ||
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 | ||
Optional Benefits |
|
•The Contracts •Living Benefit
Riders •Appendix B –
Investment
Requirements | ||
|
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 |
•
|
•The Contracts -
Replacement
of Existing
Insurance |
Surrender charge (as a percentage of Purchase Payments surrendered/withdrawn):1 |
|
Transfer Charge:2 |
$ |
Annual Administrative Charge (Account Fee):1 |
|
$ |
|
|
|
Base Contract Expenses: |
|
|
Contract Value Death Benefit |
|
|
Guarantee of Principal Death Benefit |
|
|
Optional Benefit Expenses (Protected Lifetime Income Fees) |
Single
Life |
Joint
Life |
Target Date Income Benefit:2, 3
|
|
|
Guaranteed Maximum Charge |
|
|
i4LIFE® Advantage:4
|
|
|
Current 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 |
0.83% |
0.89% |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
Guarantee of Principal Death Benefit* |
1.10% |
Contract Value Death Benefit |
0.90% |
|
Number of contract anniversaries since
Purchase Payment was invested | |||||
|
0 |
1 |
2 |
3 |
4 |
5 |
Surrender charge as a percentage of the surrendered or
withdrawn Purchase Payments |
7 % |
6 % |
5 % |
4 % |
3 % |
0 % |
Standard Benefits | |||
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions /
Limitations |
|
|
• |
•
|
Standard Benefits | |||
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions /
Limitations |
|
|
• |
•
|
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|
•
|
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|
•
|
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|
|
•
|
Optional Benefits – Available for Election | |||
|
|
Maximum Fee |
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|
• |
|
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|
•i4LIFE® Advantage:
the base contract
expense for the
Death Benefit you
have elected. |
|
upon death of: |
and... |
and... |
Death Benefit proceeds pass to: |
Contractowner |
There is a surviving joint owner |
The Annuitant is living or deceased |
Joint owner |
Contractowner |
There is no surviving joint owner |
The Annuitant is living or deceased |
Designated Beneficiary |
Contractowner |
There is no surviving joint owner
and the Beneficiary predeceases the
Contractowner |
The Annuitant is living or deceased |
Contractowner's estate |
Annuitant |
The Contractowner is living |
There is no contingent Annuitant |
The youngest Contractowner
becomes the contingent Annuitant
and the Contract continues. The
Contractowner may waive* this
continuation and receive the Death
Benefit proceeds. |
Annuitant |
The Contractowner is living |
The contingent Annuitant is living |
Contingent Annuitant becomes the
Annuitant and the Contract
continues |
Annuitant** |
The Contractowner is a trust or
other non-natural person |
No contingent Annuitant allowed
with non-natural Contractowner |
Designated Beneficiary |
Additional Purchase Payment on day 30 = $15,000; Protected Income Base = $115,000; Enhancement Base = $115,000
On the first Benefit Year anniversary, because the additional Purchase Payment is within the first 90 days after the effective date of the rider, the Protected Income Base will not be less than $120,750 (= $100,000 x 1.05 + $15,000 x 1.05).
|
Contract
Value |
Protected Income Base |
At issue |
$50,000 |
$50,000 |
1st Benefit Year anniversary |
$54,000 |
$54,000 |
2nd Benefit Year anniversary |
$53,900 |
$56,700 |
Contract Value on the rider’s effective date |
$200,000 |
Protected Income Base and Enhancement Base on the rider’s
effective date |
$200,000 |
Initial Protected Annual Income amount on the rider’s effective
date ($200,000 x 4%) |
$8,000 |
Contract Value six months after rider’s effective date |
$210,000 |
Protected Income Base and Enhancement Base six months after
rider’s effective date |
$200,000 |
Withdrawal six months after the rider’s effective date |
$8,000 |
Contract Value after withdrawal ($210,000 - $8,000) |
$202,000 |
Protected Income Base and Enhancement Base after withdrawal
($200,000 - $0) |
$200,000 |
Contract Value on the first Benefit Year anniversary |
$205,000 |
Protected Income Base and Enhancement Base on the first Benefit
Year anniversary |
$205,000 |
Protected Annual Income amount on the first Benefit Year
anniversary ($205,000 x 4%) |
$8,200 |
Contract Value = $60,000
Protected Income Base = $85,000
Enhancement Base = $85,000
Protected Annual Income amount = $4,250 (5% of the Protected Income Base of $85,000)
The Contract Value is reduced by the amount of the Protected Annual Income amount of $4,250 and the Protected Income Base and Enhancement Base are not reduced:
Contract Value = $55,750 ($60,000 - $4,250)
Protected Income Base = $85,000
Enhancement Base = $85,000
Protected Income Base = $73,184 ($85,000 x 13.90% = $11,816; $85,000 - $11,816 = $73,184)
Enhancement Base = $73,184 ($85,000 x 13.90% = $11,816; $85,000 - $11,816 = $73,184)
Protected Annual Income amount = $3,659 (5% of $73,184 Protected Income Base)
Protected Income Base = $73,184
Enhancement Base = $73,184
Protected Annual Income amount = $3,659 (5% x $73,184)
|
Minimum Access Period |
Maximum Access Period |
i4LIFE® Advantage |
5 years |
The length of time between your age and
age 115 for nonqualified contracts;
age 100 for qualified contracts |
i4LIFE® Advantage Guarantee of Principal Death Benefit |
$200,000 |
|
Regular Income Payment |
$25,000 |
|
Account Value at the time of additional withdrawal |
$150,000 |
|
Additional withdrawal |
$15,000 |
($15,000/$150,000=10% withdrawal) |
|
|
|
Death Benefit Value after Regular Income Payment = $200,000 - $25,000 = $175,000 | ||
Reduction in Death Benefit value for withdrawal = $175,000 x 10% = $17,500 | ||
Death Benefit Value after additional withdrawal = $175,000 - $17,500 = $157,500
|
|
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2022) | ||
|
|
|
1 year |
5 year |
10 year |
|
|
|
- |
N/A |
N/A |
|
|
|
- |
N/A |
N/A |
|
|
|
- |
N/A |
N/A |
|
|
|
- |
N/A |
N/A |
|
|
|
- |
N/A |
N/A |
|
|
|
- |
N/A |
N/A |
Year of Birth |
Target Date Fund |
1978 – 1982 |
2035 |
1973 – 1977 |
2030 |
1968 – 1972 |
2025 |
1963 – 1967 |
2020 |
1958 – 1962 |
2015 |
Prior to 1958 |
2010 |
|
Single
Life |
Joint
Life |
Riders elected prior to April 30, 2021 |
1.10% |
1.35% |
Single Life Option | |||
Age |
Protected Annual Income
rate |
Age |
Protected Annual Income
rate |
48 |
3.00% |
67 |
6.10% |
49 |
3.10% |
68 |
6.15% |
50 |
3.20% |
69 |
6.20% |
51 |
3.30% |
70 |
6.30% |
52 |
3.35% |
71 |
6.30% |
53 |
3.50% |
72 |
6.35% |
54 |
3.60% |
73 |
6.40% |
55 |
3.75% |
74 |
6.45% |
56 |
3.90% |
75 |
6.50% |
57 |
4.00% |
76 |
6.50% |
58 |
4.20% |
77 |
6.55% |
59 |
4.35% |
78 |
6.55% |
60 |
5.00% |
79 |
6.60% |
61 |
5.00% |
80 |
6.60% |
62 |
5.10% |
81 |
6.60% |
63 |
5.15% |
82 |
6.60% |
64 |
5.35% |
83 |
6.65% |
65 |
6.00% |
84 |
6.70% |
66 |
6.05% |
85 |
6.80% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
48 |
2.40% |
67 |
5.70% |
49 |
2.50% |
68 |
5.75% |
50 |
2.60% |
69 |
5.80% |
51 |
2.70% |
70 |
5.80% |
52 |
2.75% |
71 |
5.80% |
53 |
2.90% |
72 |
5.85% |
54 |
3.00% |
73 |
5.90% |
55 |
3.15% |
74 |
5.95% |
56 |
3.30% |
75 |
6.00% |
57 |
3.40% |
76 |
6.00% |
58 |
3.60% |
77 |
6.05% |
59 |
3.75% |
78 |
6.05% |
60 |
4.50% |
79 |
6.10% |
61 |
4.50% |
80 |
6.10% |
62 |
4.60% |
81 |
6.10% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
63 |
4.65% |
82 |
6.10% |
64 |
4.85% |
83 |
6.15% |
65 |
5.60% |
84 |
6.20% |
66 |
5.65% |
85 |
6.30% |
Single Life Option | |||
Age |
Protected Annual Income
rate |
Age |
Protected Annual Income
rate |
48 |
2.90% |
67 |
5.90% |
49 |
3.00% |
68 |
5.95% |
50 |
3.10% |
69 |
6.00% |
51 |
3.20% |
70 |
6.10% |
52 |
3.25% |
71 |
6.15% |
53 |
3.40% |
72 |
6.20% |
54 |
3.50% |
73 |
6.25% |
55 |
3.65% |
74 |
6.30% |
56 |
3.80% |
75 |
6.35% |
57 |
3.90% |
76 |
6.40% |
58 |
4.10% |
77 |
6.45% |
59 |
4.25% |
78 |
6.45% |
60 |
4.75% |
79 |
6.50% |
61 |
4.85% |
80 |
6.50% |
62 |
4.90% |
81 |
6.50% |
63 |
5.10% |
82 |
6.50% |
64 |
5.25% |
83 |
6.55% |
65 |
5.90% |
84 |
6.60% |
66 |
5.90% |
85 |
6.70% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
48 |
2.30% |
67 |
5.50% |
49 |
2.40% |
68 |
5.55% |
50 |
2.50% |
69 |
5.60% |
51 |
2.60% |
70 |
5.60% |
52 |
2.65% |
71 |
5.65% |
53 |
2.80% |
72 |
5.70% |
54 |
2.90% |
73 |
5.75% |
55 |
3.05% |
74 |
5.80% |
56 |
3.20% |
75 |
5.85% |
57 |
3.30% |
76 |
5.90% |
58 |
3.50% |
77 |
5.95% |
59 |
3.65% |
78 |
5.95% |
60 |
4.25% |
79 |
6.00% |
61 |
4.35% |
80 |
6.00% |
62 |
4.40% |
81 |
6.00% |
63 |
4.60% |
82 |
6.00% |
64 |
4.75% |
83 |
6.05% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
65 |
5.50% |
84 |
6.10% |
66 |
5.50% |
85 |
6.20% |
Single Life Option | |||
Age |
Protected Annual Income
rate |
Age |
Protected Annual Income
rate |
48 |
2.65% |
67 |
5.65% |
49 |
2.75% |
68 |
5.70% |
50 |
2.85% |
69 |
5.75% |
51 |
2.95% |
70 |
5.85% |
52 |
3.00% |
71 |
5.90% |
53 |
3.15% |
72 |
5.95% |
54 |
3.25% |
73 |
6.00% |
55 |
3.40% |
74 |
6.05% |
56 |
3.55% |
75 |
6.10% |
57 |
3.65% |
76 |
6.15% |
58 |
3.85% |
77 |
6.20% |
59 |
4.00% |
78 |
6.20% |
60 |
4.50% |
79 |
6.25% |
61 |
4.60% |
80 |
6.25% |
62 |
4.65% |
81 |
6.25% |
63 |
4.85% |
82 |
6.25% |
64 |
5.00% |
83 |
6.30% |
65 |
5.65% |
84 |
6.35% |
66 |
5.65% |
85 |
6.45% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
48 |
2.05% |
67 |
5.00% |
49 |
2.15% |
68 |
5.05% |
50 |
2.25% |
69 |
5.10% |
51 |
2.35% |
70 |
5.20% |
52 |
2.40% |
71 |
5.25% |
53 |
2.55% |
72 |
5.30% |
54 |
2.65% |
73 |
5.35% |
55 |
2.80% |
74 |
5.40% |
56 |
2.95% |
75 |
5.45% |
57 |
3.05% |
76 |
5.50% |
58 |
3.25% |
77 |
5.55% |
59 |
3.40% |
78 |
5.55% |
60 |
4.00% |
79 |
5.60% |
61 |
4.10% |
80 |
5.60% |
62 |
4.15% |
81 |
5.60% |
63 |
4.35% |
82 |
5.60% |
64 |
4.50% |
83 |
5.65% |
65 |
5.00% |
84 |
5.70% |
66 |
5.00% |
85 |
5.80% |
Single Life Option | |||
Age |
Protected Annual Income
rate |
Age |
Protected Annual Income
rate |
48 |
2.65% |
67 |
5.55% |
49 |
2.75% |
68 |
5.60% |
50 |
2.85% |
69 |
5.65% |
51 |
2.95% |
70 |
5.75% |
52 |
3.00% |
71 |
5.80% |
53 |
3.15% |
72 |
5.85% |
54 |
3.25% |
73 |
5.90% |
55 |
3.40% |
74 |
5.95% |
56 |
3.55% |
75 |
6.00% |
57 |
3.65% |
76 |
6.05% |
58 |
3.85% |
77 |
6.10% |
59 |
4.00% |
78 |
6.10% |
60 |
4.25% |
79 |
6.15% |
61 |
4.35% |
80 |
6.15% |
62 |
4.40% |
81 |
6.15% |
63 |
4.60% |
82 |
6.15% |
64 |
4.75% |
83 |
6.20% |
65 |
5.50% |
84 |
6.25% |
66 |
5.50% |
85 |
6.35% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
48 |
2.05% |
67 |
4.90% |
49 |
2.15% |
68 |
4.95% |
50 |
2.25% |
69 |
5.00% |
51 |
2.35% |
70 |
5.10% |
52 |
2.40% |
71 |
5.15% |
53 |
2.55% |
72 |
5.20% |
54 |
2.65% |
73 |
5.25% |
55 |
2.80% |
74 |
5.30% |
56 |
2.95% |
75 |
5.35% |
57 |
3.05% |
76 |
5.40% |
58 |
3.25% |
77 |
5.45% |
59 |
3.40% |
78 |
5.45% |
60 |
3.65% |
79 |
5.50% |
61 |
3.75% |
80 |
5.50% |
62 |
3.80% |
81 |
5.50% |
63 |
4.00% |
82 |
5.50% |
64 |
4.15% |
83 |
5.55% |
65 |
4.85% |
84 |
5.60% |
66 |
4.85% |
85 |
5.70% |
Single Life Option | |||
Age |
Protected Annual Income
rate |
Age |
Protected Annual Income
rate |
48 |
2.65% |
67 |
5.30% |
49 |
2.75% |
68 |
5.35% |
50 |
2.85% |
69 |
5.40% |
51 |
2.95% |
70 |
5.50% |
52 |
3.00% |
71 |
5.55% |
53 |
3.15% |
72 |
5.60% |
54 |
3.25% |
73 |
5.65% |
55 |
3.40% |
74 |
5.70% |
56 |
3.55% |
75 |
5.75% |
57 |
3.65% |
76 |
5.80% |
58 |
3.85% |
77 |
5.85% |
59 |
4.00% |
78 |
5.85% |
60 |
4.25% |
79 |
5.90% |
61 |
4.35% |
80 |
5.90% |
62 |
4.40% |
81 |
5.90% |
63 |
4.60% |
82 |
5.90% |
64 |
4.75% |
83 |
5.95% |
65 |
5.25% |
84 |
6.00% |
66 |
5.25% |
85 |
6.10% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
48 |
2.05% |
67 |
4.65% |
49 |
2.15% |
68 |
4.70% |
50 |
2.25% |
69 |
4.75% |
51 |
2.35% |
70 |
4.85% |
52 |
2.40% |
71 |
4.90% |
53 |
2.55% |
72 |
4.95% |
54 |
2.65% |
73 |
5.00% |
55 |
2.80% |
74 |
5.05% |
56 |
2.95% |
75 |
5.10% |
57 |
3.05% |
76 |
5.15% |
58 |
3.25% |
77 |
5.20% |
59 |
3.40% |
78 |
5.20% |
60 |
3.65% |
79 |
5.25% |
61 |
3.75% |
80 |
5.25% |
62 |
3.80% |
81 |
5.25% |
63 |
4.00% |
82 |
5.25% |
64 |
4.15% |
83 |
5.30% |
65 |
4.60% |
84 |
5.35% |
66 |
4.60% |
85 |
5.45% |
Single Life Option | |||
Age |
Protected Annual Income
rate |
Age |
Protected Annual Income
rate |
48 |
2.65% |
67 |
5.10% |
49 |
2.75% |
68 |
5.15% |
50 |
2.85% |
69 |
5.15% |
51 |
2.95% |
70 |
5.20% |
52 |
3.00% |
71 |
5.20% |
53 |
3.15% |
72 |
5.25% |
54 |
3.25% |
73 |
5.30% |
55 |
3.40% |
74 |
5.35% |
56 |
3.55% |
75 |
5.40% |
57 |
3.65% |
76 |
5.45% |
58 |
3.85% |
77 |
5.50% |
59 |
4.00% |
78 |
5.55% |
60 |
4.25% |
79 |
5.60% |
61 |
4.35% |
80 |
5.65% |
62 |
4.40% |
81 |
5.70% |
63 |
4.60% |
82 |
5.75% |
64 |
4.75% |
83 |
5.85% |
65 |
5.10% |
84 |
5.95% |
66 |
5.10% |
85 |
6.05% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
48 |
2.05% |
67 |
4.40% |
49 |
2.15% |
68 |
4.45% |
50 |
2.25% |
69 |
4.50% |
51 |
2.35% |
70 |
4.55% |
52 |
2.40% |
71 |
4.60% |
53 |
2.55% |
72 |
4.65% |
54 |
2.65% |
73 |
4.70% |
55 |
2.80% |
74 |
4.75% |
56 |
2.95% |
75 |
4.80% |
57 |
3.05% |
76 |
4.85% |
58 |
3.25% |
77 |
4.90% |
59 |
3.40% |
78 |
4.95% |
60 |
3.65% |
79 |
5.00% |
61 |
3.75% |
80 |
5.05% |
62 |
3.80% |
81 |
5.10% |
63 |
4.00% |
82 |
5.15% |
64 |
4.15% |
83 |
5.25% |
65 |
4.35% |
84 |
5.35% |
66 |
4.40% |
85 |
5.45% |
Single Life Option | |||
Age |
Protected Annual Income
rate |
Age |
Protected Annual Income
rate |
48 |
2.65% |
67 |
5.00% |
49 |
2.75% |
68 |
5.05% |
50 |
2.85% |
69 |
5.10% |
51 |
2.95% |
70 |
5.15% |
52 |
3.00% |
71 |
5.20% |
53 |
3.15% |
72 |
5.25% |
54 |
3.25% |
73 |
5.30% |
55 |
3.40% |
74 |
5.35% |
56 |
3.55% |
75 |
5.40% |
57 |
3.65% |
76 |
5.45% |
58 |
3.85% |
77 |
5.50% |
59 |
4.00% |
78 |
5.55% |
60 |
4.25% |
79 |
5.60% |
61 |
4.35% |
80 |
5.65% |
62 |
4.40% |
81 |
5.70% |
63 |
4.60% |
82 |
5.75% |
64 |
4.75% |
83 |
5.85% |
65 |
5.00% |
84 |
5.95% |
66 |
5.00% |
85 |
6.05% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
48 |
2.05% |
67 |
4.40% |
49 |
2.15% |
68 |
4.45% |
50 |
2.25% |
69 |
4.50% |
51 |
2.35% |
70 |
4.55% |
52 |
2.40% |
71 |
4.60% |
53 |
2.55% |
72 |
4.65% |
54 |
2.65% |
73 |
4.70% |
55 |
2.80% |
74 |
4.75% |
56 |
2.90% |
75 |
4.80% |
57 |
3.05% |
76 |
4.85% |
58 |
3.25% |
77 |
4.90% |
59 |
3.40% |
78 |
4.95% |
60 |
3.65% |
79 |
5.00% |
61 |
3.75% |
80 |
5.05% |
62 |
3.80% |
81 |
5.10% |
63 |
4.00% |
82 |
5.15% |
64 |
4.15% |
83 |
5.25% |
65 |
4.35% |
84 |
5.35% |
66 |
4.40% |
85 |
5.45% |
Single Life Option | |||
Age |
Protected Annual Income
rate |
Age |
Protected Annual Income
rate |
48 |
2.90% |
67 |
5.25% |
49 |
3.00% |
68 |
5.30% |
50 |
3.10% |
69 |
5.35% |
51 |
3.20% |
70 |
5.40% |
52 |
3.25% |
71 |
5.45% |
53 |
3.40% |
72 |
5.50% |
54 |
3.50% |
73 |
5.55% |
55 |
3.65% |
74 |
5.60% |
56 |
3.80% |
75 |
5.65% |
57 |
3.90% |
76 |
5.70% |
58 |
4.10% |
77 |
5.75% |
59 |
4.25% |
78 |
5.80% |
60 |
4.50% |
79 |
5.85% |
61 |
4.60% |
80 |
5.90% |
62 |
4.65% |
81 |
5.95% |
63 |
4.85% |
82 |
6.00% |
64 |
5.00% |
83 |
6.10% |
65 |
5.20% |
84 |
6.20% |
66 |
5.25% |
85 |
6.30% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
48 |
2.30% |
67 |
4.65% |
49 |
2.40% |
68 |
4.70% |
50 |
2.50% |
69 |
4.75% |
51 |
2.60% |
70 |
4.80% |
52 |
2.65% |
71 |
4.85% |
53 |
2.80% |
72 |
4.90% |
54 |
2.90% |
73 |
4.95% |
55 |
3.05% |
74 |
5.00% |
56 |
3.20% |
75 |
5.05% |
57 |
3.30% |
76 |
5.10% |
58 |
3.50% |
77 |
5.15% |
59 |
3.65% |
78 |
5.20% |
60 |
3.90% |
79 |
5.25% |
61 |
4.00% |
80 |
5.30% |
62 |
4.05% |
81 |
5.35% |
63 |
4.25% |
82 |
5.40% |
64 |
4.40% |
83 |
5.50% |
65 |
4.60% |
84 |
5.60% |
66 |
4.65% |
85 |
5.70% |
Single Life Option | |||
Age |
Protected Annual Income
rate |
Age |
Protected Annual Income
rate |
48 |
3.40% |
67 |
5.75% |
49 |
3.50% |
68 |
5.80% |
50 |
3.60% |
69 |
5.85% |
51 |
3.70% |
70 |
5.90% |
52 |
3.75% |
71 |
5.95% |
53 |
3.90% |
72 |
6.00% |
54 |
4.00% |
73 |
6.05% |
55 |
4.15% |
74 |
6.10% |
56 |
4.30% |
75 |
6.15% |
57 |
4.40% |
76 |
6.20% |
58 |
4.60% |
77 |
6.25% |
59 |
4.75% |
78 |
6.30% |
60 |
5.00% |
79 |
6.35% |
61 |
5.10% |
80 |
6.40% |
62 |
5.15% |
81 |
6.45% |
63 |
5.35% |
82 |
6.50% |
64 |
5.50% |
83 |
6.60% |
65 |
5.70% |
84 |
6.70% |
66 |
5.75% |
85 |
6.80% |
Joint Life Option | |||
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
48 |
2.90% |
67 |
5.25% |
49 |
3.00% |
68 |
5.30% |
50 |
3.10% |
69 |
5.35% |
51 |
3.20% |
70 |
5.40% |
52 |
3.25% |
71 |
5.45% |
53 |
3.40% |
72 |
5.50% |
54 |
3.50% |
73 |
5.55% |
55 |
3.65% |
74 |
5.60% |
56 |
3.80% |
75 |
5.65% |
57 |
3.90% |
76 |
5.70% |
58 |
4.10% |
77 |
5.75% |
59 |
4.25% |
78 |
5.80% |
60 |
4.50% |
79 |
5.85% |
61 |
4.60% |
80 |
5.90% |
62 |
4.65% |
81 |
5.95% |
63 |
4.85% |
82 |
6.00% |
64 |
5.00% |
83 |
6.10% |
65 |
5.20% |
84 |
6.20% |
66 |
5.25% |
85 |
6.30% |
If your rider was purchased: |
The Enhancement is based on the… |
…multiplied by the
Enhancement Rate of… |
On or after May 23, 2022, but prior to April 30, 2023 |
Enhancement Base |
6% |
On or after May 18, 2020, but prior to May 23, 2022 |
Enhancement Base |
5% |
Prior to May 18, 2020 |
Enhancement Base |
6% |
SEC File Nos. 333-234170; 811-08441
EDGAR Contract Identifier C000216689
Relating to Prospectus Dated May 1, 2023 for
Contents
|
Page
|
B-2
|
|
B-2
|
|
B-2
|
|
B-3
|
|
B-3
|
|
B-3
|
|
B-3
|
|
B-4
|
|
B-4
|
Contents
|
Page
|
B-4
|
|
B-4
|
|
B-5
|
|
B-5
|
|
B-5
|
|
B-5
|
|
B-6
|
|
B-6
|
Name
|
Positions and Offices with Depositor
|
Jayson R. Bronchetti*
|
Executive Vice President, Chief Investment Officer and Director
|
Adam M. Cohen*
|
Senior Vice President and Chief Accounting Officer
|
Ellen G. Cooper*
|
President and Director
|
Stephen B. Harris*
|
Senior Vice President and Chief Ethics and Compliance Officer
|
Mark E. Konen
4901 Avenue G
Austin, TX 78751
|
Director
|
M. Leanne Lachman
870 United Nations, Plaza, #19-E
New York, NY 10017
|
Director
|
Louis G. Marcoccia
Senior Vice President
Syracuse University
Crouse-Hinds Hall, Suite 620
900 S. Crouse Ave.
Syracuse, NY 13244
|
Director
|
Shantanu Mishra*
|
Senior Vice President and Treasurer
|
Christopher M. Neczypor*
|
Executive Vice President, Chief Financial Officer and Director
|
Patrick S. Pittard
20 Cates Ridge
Atlanta, GA 30327
|
Director
|
Robert O. Sheppard**
|
Assistant Vice President, General Counsel and Secretary
|
Joseph D. Spada***
|
Vice President and Chief Compliance Officer for Separate Accounts
|
Name
|
Positions and Offices with Underwriter
|
Andrew J. Bucklee*
|
Senior Vice President and Director
|
Jason M. Gibson**
|
Vice President and Chief Compliance Officer
|
Claire H. Hanna*
|
Secretary
|
John C. Kennedy*
|
President, Chief Executive Officer and Director
|
Shantanu Mishra*
|
Senior Vice President and Treasurer
|
William A. Nash***
|
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 10th day of April, 2023 at 9:56 am. |
Lincoln Life & Annuity Variable Annuity Account H
Lincoln New York Account N for Variable Annuities
(Registrants)
By: | /s/ Delson R. Campbell | ||
Delson R. Campbell | |||
Vice President, Lincoln Life & Annuity Company of New York |
Signed on its behalf, in the City of Hartford, and the State of Connecticut on this 11th day of April, 2023 at 9:17 am.
Lincoln Life & Annuity Company of New York
(Depositor)
By: | /s/ Michelle L. Grindle | ||
Michelle L. Grindle | |||
(Signature-Officer of Depositor) | |||
Vice President, Lincoln Life & Annuity Company of New York |
Lincoln Life & Annuity Variable Annuity Account H (File No. 811-08441; CIK: 0001045008)
333-141754 (Amendment No. 46) | 333-141763 (Amendment No. 45) | 333-181617 (Amendment No. 24) |
333-141756 (Amendment No. 42) | 333-141766 (Amendment No. 40) | 333-214112 (Amendment No. 12) |
333-141758 (Amendment No. 43) | 333-171097 (Amendment No. 31) | 333-234169 (Amendment No. 5) |
333-141761 (Amendment No. 34) | 333-176216 (Amendment No. 23) | 333-234170 (Amendment No. 5) |
Lincoln New York Account N for Variable Annuities (File No. 811-09763; CIK: 0001093278)
333-141752 (Amendment No. 47) | 333-149449 (Amendment No. 36) | 333-193276 (Amendment No. 18) |
333-141759 (Amendment No. 45) | 333-171096 (Amendment No. 32) | 333-193277 (Amendment No. 15) |
333-141757 (Amendment No. 46) | 333-175691 (Amendment No. 29) | 333-214111 (Amendment No. 15) |
333-141760 (Amendment No. 37) | 333-176213 (Amendment No. 29) | 333-214113 (Amendment No. 10) |
333-141762 (Amendment No. 43) | 333-181616 (Amendment No. 36) | 333-214256 (Amendment No. 8) |
333-145531 (Amendment No. 50) | 333-186895 (Amendment No. 30) |
(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 10, 2023 at 9:56 am.
Signature | Title | |
*/s/ Ellen G. Cooper | President and Director | |
Ellen G. Cooper | ||
*/s/ Christopher M. Neczypor | Executive Vice President, Chief Financial Officer, | |
Christopher M. Neczypor | and Director | |
*/s/ Jayson R. Bronchetti | Executive Vice President, Chief Investment Officer, | |
Jason R. Bronchetti | and Director | |
*/s/ Adam M. Cohen | Senior Vice President and Chief Accounting Officer | |
Adam M. Cohen | ||
*/s/ Mark E. Konen | Director | |
Mark E. Konen | ||
*/s/ M. Leanne Lachman | Director | |
M. Leanne Lachman |
*/s/ Louis G. Marcoccia | Director | |
Louis G. Marcoccia | ||
* /s/ Patrick S. Pittard | Director | |
Patrick S. Pittard |
* | /s/ Delson R. Campbell | , pursuant to a Power of Attorney |
Delson R. Campbell |
ATTACHMENTS / EXHIBITS
XBRL TAXONOMY EXTENSION SCHEMA
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