THE LINCOLN NATIONAL LIFE INSURANCE COMPANY LINCOLN LIFE VARIABLE ANNUITY ACCOUNT N. ChoicePlus Assurance SM (B Share)

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1 THE LINCOLN NATIONAL LIFE INSURANCE COMPANY LINCOLN LIFE VARIABLE ANNUITY ACCOUNT N ChoicePlus Assurance SM (B Share) Supplement dated November 18, 2016 to the Prospectus dated May 1, 2016, as supplemented This Supplement outlines important changes that become effective on and after January 9, These changes are related to: a) Investment options; b) Investment Requirements for Living Benefit Riders; and c) Certain other administrative changes that will impact your ChoicePlus SM individual annuity contract. All other provisions in your prospectus, as supplemented, remain unchanged. This Supplement is for informational purposes only and requires no action on your part. FUND CHANGES The following information outlines changes that will impact the underlying investment options of your contract beginning January 9, 2017: 1. The following funds will be available as new investment options under your contract: Fidelity VIP smanager 50% Portfolio (Service Class 2) First Trust Dow/Jones Dividend & Income Allocation Portfolio (Class I) Invesco V.I. Equally-Weighted S&P 500 (Series II Shares) JPMorgan Insurance Trust Core Bond Portfolio (Class 2) LVIP Franklin Templeton Multi-Asset Opportunities (Service Class) LVIP Goldman Sachs Income Builder (Service Class) LVIP SSGA Mid-Cap Index (Service Class) Putnam VT George Putnam Balanced (Class IB) 2. The following funds that were previously closed will be re-opened for all contractowners: LVIP American Century Select Mid Cap Managed Volatility (Service Class) LVIP ClearBridge Large Cap Managed Volatility (Service Class) LVIP Invesco Select Equity Managed Volatility (Service Class) FUND EXPENSES - The following item shows the minimum and maximum total expenses charged by the funds that you may pay periodically during the time that you own the contract. The expenses are for the year ending December 31, 2015 (or estimates for newly created funds). More detail concerning each fund s fees and expenses is contained in the prospectus for each fund. Minimum Maximum Total Annual Operating Expenses (expenses that are deducted from fund assets, including management fees, 0.46% 2.07% distribution and/or service (12b-1) fees, and other expenses) Total Annual Operating Expenses (after contractual reimbursements*) 0.46% 1.71% *Some of the funds have entered into contractual waiver or reimbursement arrangements that may reduce fund management and other fees and/or expenses during the period of the arrangement. These arrangements vary in length, but no arrangement will terminate before April 30, The following table shows the expenses charged by the funds and share classes that are being added (as a percentage of the fund s average net assets): Management Fees (before any Reimbursements) + 12b-1 Fees (before any + Other Expenses (before any + Acquired Fees and Expenses (AFFE) = Total Expenses (before any Total Contractual reimbursements (if any) Total Expenses (after any 1

2 Fidelity VIP smanager 50% Portfolio (Service Class 2) (1) First Trust Dow/Jones Dividend & Income Allocation Portfolio (Class I) (2) Invesco V.I. Equally-Weighted S&P 500 (Series II Shares) JPMorgan Insurance Trust Core Bond Portfolio (Class 2) (3) LVIP Franklin/ Templeton Multi- Asset Opportunities (Service Class) (4) LVIP Goldman Sachs Income Builder (Service Class) (5) LVIP SSGA Mid- Cap Index (Service Class) Putnam VT George Putnam Balanced (Class IB) 0.25% 0.25% 0.00% 0.57% 1.07% -0.15% 0.92% 0.60% 0.25% 0.49% 0.00% 1.34% -0.14% 1.20% 0.12% 0.25% 0.43% 0.00% 0.80% 0.00% 0.80% 0.40% 0.25% 0.21% 0.01% 0.87% -0.02% 0.85% 0.75% 0.25% 0.71% 0.36% 2.07% -0.89% 1.18% 0.65% 0.25% 0.64% 0.00% 1.54% -0.54% 1.00% 0.27% 0.25% 0.05% 0.00% 0.57% 0.00% 0.57% 0.52% 0.25% 0.20% 0.00% 0.97% 0.00% 0.97% (1) FMRC has contractually agreed to waive 0.05% of the fund's management fee. This arrangement will remain in effect through April 30, In addition, FMR has contractually agreed to reimburse 0.10% of class-level expenses for Service Class 2. This arrangement will remain in effect for at least one year from the effective date of the prospectus, and will remain in effect thereafter as long as Service Class 2 continue to be sold to unaffiliated insurance companies. (2) The 's Investment advisor has agreed to waive fees and/or pay the 's expenses to the extent necessary to prevent the operating expenses of the Class I shares and Class shares (excluding interest expense, brokerage commissions and other trading expenses, taxes and extraordinary expenses) from exceeding 1.20% and 0.95%, respectively, of the 's average daily assets per year at least until May 1, Expenses borne by the 's investment advisor are subject to reimbursement by the up to three years from the date of the fee or expense was incurred, but no reimbursement payment will be made by the at any time if it would result in the Class I share or Class II share expenses (excluding interest expense, brokerage commissions and other trading expenses, taxes and extraordinary expenses) exceeding 1.20% and 0.95%, respectively, of the 's average daily net assets per year. The agreement may be terminated by the Trust on behalf of the at any time and by the 's investment advisor only after May 1, 2017 upon 60 days' written notice. (3) The Portfolio s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Operating Expenses of Class 2 Shares (excluding Acquired Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, and extraordinary expenses) exceed 0.85% of the average daily net assets. The Portfolio may invest in one or more money market funds advised by the Adviser or its affiliates (affiliated money market funds). The s adviser and/or administrator have contractually agreed to waive fees and/or reimburse expenses in an amount sufficient to offset the respective net fees each collects from the affiliated money market funds on the Portfolio s investment in such money market funds. These waivers are in effect through 4/30/2017, at which time the adviser and/or its affiliates will determine whether to renew or revise them. (4) Lincoln Investment Advisors Corporation (the adviser ) has contractually agreed to waive the following portion of its advisory fee: 0.28% of the s average daily net assets. The adviser has also contractually agreed to reimburse the to the extent that the Total Annual Operating Expenses (excluding AFFE) exceed 0.57% of the s average daily net assets for the Standard Class (and 0.82% for the Service Class). Both agreements will continue at least through April 30, 2017 and cannot be terminated before that date without the mutual agreement of the s board of trustees and the adviser. The Total Annual Operating Expenses do not correlate to the ratio of expenses to the average net assets appearing in the Financial Highlights table which reflects only the operating expenses of the and does not include AFFE. (5) Lincoln Investment Advisors Corporation (the adviser ) has contractually agreed to reimburse the to the extent that the Total Annual Operating Expenses (excluding AFFE) exceed 0.75% of the s average daily net assets for the Standard Class (and 1.00% for the Service Class). The agreement will continue at least through April 30, 2017 and cannot be terminated before that date without the mutual agreement of the s board of trustees and the adviser. 2

3 EXAMPLES The following Examples are intended to help you compare the cost of investing in the contract with the cost of investing in other variable annuity contracts. These costs include Contractowner transaction expenses, contract fees, separate account annual expenses, and fund fees and expenses. The Examples have been calculated using the fees and expenses of the funds prior to the application of any contractual waivers and/or reimbursements. The first Example assumes that you invest $10,000 in the contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year, the maximum fees and expenses of any of the funds and that the EGMDB and Lincoln Market Select Advantage at the guaranteed maximum charge are in effect. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: 1) If you surrender your contract at the end of the applicable time period: $1,310 $2,418 $3,508 $5,908 2) If you annuitize or do not surrender your contract at the end of the applicable time period: $610 $1,818 $3,008 $5,908 The next example assumes you have purchased Lincoln Long-Term Care SM Advantage rider and have elected either the Growth Benefit option or the Level Benefit option. The example also assumes that you are age 69 (Growth Benefit option) or age 74 (Level Benefit option) and invest $10,000 in the contract for the time periods indicated. The example assumes a 5% return each year, the maximum fees and expenses of any of the funds, election of the Optional Nonforfeiture provision, and that the EGMDB Death Benefit is in effect. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: 1) If you surrender your contract at the end of the applicable time period: Growth Benefit Option $1,351 $2,534 $3,695 $6,241 Level Benefit Option $1,394 $2,660 $3,896 $6,599 2) If you annuitize or do not surrender your contract at the end of the applicable time period: Growth Benefit Option $651 $1,934 $3,195 $6,241 Level Benefit Option $694 $2,060 $3,396 $6,599 For more information, see Charges and Other Deductions in this prospectus, and the prospectuses for the funds. Premium taxes may also apply, although they do not appear in the examples. Different fees and expenses not reflected in the examples may be imposed during a period in which Annuity Payouts are made. See The Contracts - Annuity Payouts. These examples should not be considered a representation of past or future expenses. Actual expenses may be more or less than those shown. INVESTMENTS OF THE VARIABLE ACCOUNT DESCRIPTION OF THE FUNDS. This section outlines the investment objectives for the fund additions listed above. More detailed information may be obtained from the current prospectus for each fund. You should read each fund prospectus carefully before investing. Please be advised that there is no assurance that any of the funds will achieve their stated objectives. AIM Variable Insurance s (Invesco Variable Insurance s), advised by Invesco Advisers, Inc. Invesco V.I. Equally-Weighted S&P 500 * (Series II Shares): To seek to achieve a high level of total return on its assets through a combination of capital appreciation and current income. Fidelity Variable Insurance Products, advised by Fidelity Management and Research Company Fidelity VIP smanager 50% Portfolio (Service Class 2): Seeks high total return; a fund of funds. First Trust Variable Insurance Trust, advised by First Trust Advisers, L.P. 3

4 First Trust Dow/Jones Dividend & Income Allocation Portfolio (Class I): Seeks to provide total return by allocating among dividend-paying stocks and investment grade bonds. JPMorgan Insurance Trust, advised by J.P. Morgan Investment Management Inc. JPMorgan Insurance Trust Core Bond Portfolio (Class 2): Seeks to maximize total return by investing primarily in a diversified portfolio of intermediate and long-term debt securities. LVIP Variable Insurance Products Trust, advised by Lincoln Investment Advisors Corporation LVIP Franklin Templeton Multi-Asset Opportunities (Service Class): Long-term growth of capital. LVIP Goldman Sachs Income Builder (Service Class): Seeks a balance of current income and capital appreciation. LVIP SSGA Mid-Cap Index (Service Class): Seeks to approximate as closely as practicable, before fees and expenses, the performance of a broad market index that emphasizes stocks of midsized U.S. companies. Putnam Variable Trust, advised by Putnam Investment Management, LLC Putnam VT George Putnam Balanced (Class IB): Seeks to provide a balanced investment composed of a well-diversified portfolio of stocks and bonds which produce both capital growth and current income. *The Index this portfolio is managed to (the Index ) is a product of S&P Dow Jones Indices LLC ( SPDJI ) and has been licensed for use by one or more of the portfolio s service providers ( Licensee ). Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Licensee. Licensee s product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index. THE CONTRACTS INVESTMENT REQUIREMENTS. If you have elected a Living Benefit Rider, you may be subject to the Investment Requirements outlined in the prospectus, according to which Living Benefit Rider you own. Please refer to your prospectus to determine if you are subject to Investment Requirements. The changes outlined below are effective January 9, All other provisions of Investment Requirements remain unchanged. The following changes apply to Investment Requirements for Managed Risk Riders. The JPMorgan Insurance Trust Core Bond Portfolio will be added to the list of subaccounts under Group 1, and to the list of funds among which you may allocate 100% of your Contract Value. The following changes apply to Investment Requirements for other Living Benefit Riders purchased on or after August 29, Beginning January 9, 2017, you must currently allocate your Contract Value among one or more of the following Subaccounts: Group 1 Investments must be at least 40% of Contract Value or Account Value (if i4life Advantage is in effect) Delaware VIP Diversified Income Series LVIP Delaware Diversified Floating Rate Delaware VIP Limited-Term Diversified Income Series LVIP Dimensional/Vanguard Total Bond JPMorgan Insurance Trust Core Bond LVIP PIMCO Low Duration Bond LVIP BlackRock Inflation Protected Bond LVIP SSGA Bond Index LVIP Delaware Bond Group 2 Investments cannot exceed 60% of Contract Value or Account Value (if i4life Advantage is in effect) AB VPS Small/Mid Cap Value Portfolio LVIP Dimensional U.S. Core Equity 2 American Century VP Balanced LVIP Franklin Templeton Multi-Asset Opportunities American s Global Growth LVIP Global Conservative Allocation Managed Risk American s Growth LVIP Global Growth Allocation Managed Risk American s Growth-Income LVIP Global Moderate Allocation Managed Risk American s International LVIP Goldman Sachs Income Builder BlackRock Global Allocation V.I. LVIP Government Money Market Delaware VIP Small Cap Value Series LVIP JPMorgan High Yield Delaware VIP U.S. Growth Series LVIP MFS International Growth Delaware VIP Value Series LVIP MFS Value 4

5 Fidelity VIP Contrafund Portfolio Fidelity VIP smanager 50% Portfolio Fidelity VIP Mid Cap Portfolio First Trust/Dow Jones Dividend & Income Allocation Portfolio Franklin Income VIP Franklin Mutual Shares VIP Invesco V.I. Equally-Weighted S&P 500 Invesco V.I. International Growth JPMorgan Insurance Trust Global Allocation Portfolio LVIP American Global Growth LVIP American Growth LVIP American Growth-Income LVIP American International LVIP Baron Growth Opportunities LVIP BlackRock Global Allocation V.I. Managed Risk LVIP BlackRock Global Growth ETF Allocation Managed Risk LVIP BlackRock U.S. Growth ETF Allocation Managed Risk LVIP Delaware Social Awareness LVIP Delaware Special Opportunities LVIP Dimensional International Core Equity LVIP Dimensional U.S. Core Equity 1 LVIP Mondrian International Value LVIP SSGA Conservative Index Allocation LVIP SSGA Conservative Structured Allocation LVIP SSGA Developed International 150 LVIP SSGA Global Tactical Allocation Managed Volatility LVIP SSGA International Index LVIP SSGA Large Cap 100 LVIP SSGA Mid-Cap Index LVIP SSGA Moderate Index Allocation LVIP SSGA Moderate Structured Allocation LVIP SSGA Moderately Aggressive Index Allocation LVIP SSGA Moderately Aggressive Structured Allocation LVIP SSGA S&P 500 Index LVIP SSGA Small-Cap Index LVIP SSGA Small-Mid Cap 200 LVIP T. Rowe Price Structured Mid-Cap Growth LVIP U.S. Growth Allocation Managed Risk LVIP Vanguard Domestic Equity ETF LVIP Vanguard International Equity ETF LVIP Wellington Mid-Cap Value MFS VIT Growth Series MFS VIT Total Return Series Putnam VT George Putnam Balanced The fixed account is only available for dollar cost averaging. As an alternative, to satisfy these Investment Requirements, you may allocate 100% of your Contract Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value or i4life Advantage Account Value among these Subaccounts, then the Subaccounts listed below that are also listed in Group 1 will be subject to the Group 1 restrictions. Any remaining Subaccounts listed below that are not listed in Group 1 will fall into Group 2 and be subject to Group 2 restrictions. American Century VP Balanced BlackRock Global Allocation V.I. Delaware VIP Diversified Income Series Delaware VIP Limited-Term Diversified Income Series Fidelity VIP smanager 50% Portfolio First Trust/Dow Jones Dividend & Income Allocation Portfolio JPMorgan Insurance Trust Core Bond LVIP BlackRock Global Allocation V.I. Managed Risk LVIP BlackRock Global Growth ETF Allocation Managed Risk LVIP BlackRock Inflation Protected Bond LVIP Delaware Bond LVIP BlackRock U.S. Growth ETF Allocation Managed Risk LVIP Delaware Diversified Floating Rate LVIP Dimensional/Vanguard Total Bond LVIP Franklin Templeton Multi-Asset Opportunities LVIP Global Conservative Allocation Managed Risk LVIP Global Growth Allocation Managed Risk LVIP Global Moderate Allocation Managed Risk LVIP Goldman Sachs Income Builder LVIP PIMCO Low Duration Bond LVIP SSGA Bond Index LVIP SSGA Conservative Index Allocation LVIP SSGA Conservative Structured Allocation LVIP SSGA Global Tactical Allocation Managed Volatility LVIP SSGA Moderate Index Allocation LVIP SSGA Moderate Structured Allocation LVIP U.S. Growth Allocation Managed Risk MFS VIT Total Return Series Putnam VT George Putnam Balanced As an alternative, to satisfy these Investment Requirements, 100% of the Contract Value may be allocated in accordance with certain asset allocation models made available to you by your broker-dealer. You may only 5

6 choose one asset allocation model at a time, though you may change to a different asset allocation model available in your contract that meets the Investment Requirements or reallocate Contract Value according to the Investment Requirements listed above. If you terminate an asset allocation model, you must follow the Investment Requirements applicable to your rider. We may exclude an asset allocation model from being available for investment at any time, in our sole discretion. You will be notified prior to the date of such a change. The following changes apply to Option 2 - Investment Requirements and Option 3 - Investment Requirements for other Living Benefit Riders purchased prior to August 29, The JPMorgan Insurance Trust Core Bond Portfolio will be added to the list of subaccounts under Group 1, and to the list of funds among which you may allocate 100% of your Contract Value. The LVIP SSGA Mid-Cap Index and Invesco V.I. Equally-Weighted S&P 500 will be added to the list of subaccounts under Group 2. The Fidelity VIP smanager 50% Portfolio, First Trust Dow/Jones Dividend & Income Allocation Portfolio, LVIP Franklin/Templeton Multi-Asset Opportunities, LVIP Goldman Sachs Income Builder, and Putnam VT George Putnam Balanced will be added to Group 2, and to the list of funds among which you may allocate 100% of your Contract Value. THE CONTRACTS ALLOCATION OF PURCHASE PAYMENTS. The following information is added as a new paragraph to this section: If an underlying fund imposes restrictions with respect to the acceptance of Purchase Payments or allocations, we reserve the right to reject an allocation request at any time the underlying fund notifies us of such a restriction. We will notify you if your allocation request is or becomes subject to such restrictions. THE CONTRACTS TRANSFERS ON OR BEFORE THE ANNUITY COMMENCEMENT DATE. The following information is added to this section: We may defer or reject a transfer request that is subject to a restriction imposed by an underlying fund. LIVING BENEFIT RIDERS GUARANTEED INCOME BENEFIT WITH i4life Advantage. The name of the i4life Advantage Guaranteed Income Benefit (version 5) rider will be changed to i4life Advantage Select Guaranteed Income Benefit. Please retain this Supplement for future reference. 6

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