Document:

ex10b.htm

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, Donald E. Keller, Brian A. Kroll, John L. Reizian, Lawrence A. Samplatsky, Stephen R. Turer 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 or N-4 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:

Lincoln Life Flexible Premium Variable Life Account D: File No. 033-00417; 811-04592

Lincoln Life Flexible Premium Variable Life Account F: File No. 033-14692, 333-40745; 811-05164

Lincoln Life Flexible Premium Variable Life Account G: File No. 033-22740; 811-05585

Lincoln Life Flexible Premium Variable Life Account J: File No. 033-76434; 811-08410

Lincoln Life Flexible Premium Variable Life Account K: File No. 033-76432; 811-08412

Lincoln Life Flexible Premium Variable Life Account M: File No. 333-82663, 333-84360, 333-42479, 333-54338, 333-84370, 333-63940, 333-111137, 333-111128, 333-118478, 333-118477, 333-145090, 333-139960,

333-146507; 333-181796; 333-191329; 333-192303; 811-08557

Lincoln Life Flexible Premium Variable Life Account R: File No. 333-43107, 333-33782, 333-90432, 333-115882, 333-125792, 333-125991, 333-145235, 333-145239; 333-188891; 811-08579

Lincoln Life Flexible Premium Variable Life Account S: File No. 333-72875, 333-104719, 333-125790; 811-09241

Lincoln Life Flexible Premium Variable Life Account Y: File No. 333-81884, 333-81882, 333-90438, 333-118482, 333-118481, 333-115883; 333-156123; 811-21028

Lincoln Life Flexible Premium Variable Life Account JF-A: File No. 333-144268, 333-144269, 333-144271, 333-144272; 333-144273, 333-144274, 333-144275; 811-04160

Lincoln Life Flexible Premium Variable Life Account JF-C: File No. 333-144270, 333-144264; 811-08230

Variable Annuity Separate Accounts:

Lincoln National Variable Annuity Fund A: File No. 002-26342, 002-25618; 811-01434

Lincoln National Variable Annuity Account C: 033-25990, 333-50817, 333-68842, 333-112927; 333-179107; 811-03214

Lincoln National Variable Annuity Account E: 033-26032; 811-04882

Lincoln National Variable Annuity Account H: 033-27783, 333-18419, 333-35780, 333-35784, 333-61592,

333-63505, 333-135219; 333-170695; 333-175888; 333-181615; 811-05721

Lincoln National Variable Annuity Account L: 333-04999; 333-187072; 333-187069; 333-187070; 333-187071; 811-07645

Lincoln Life Variable Annuity Account N: 333-40937, 333-36316, 333-36304, 333-61554, 333-135039,

333-138190, 333-149434; 333-170529; 333-170897; 333-172328; 333-174367; 333-181612; 333-186894; 811-08517

Lincoln Life Variable Annuity Account Q: 333-43373; 811-08569

Lincoln Life Variable Annuity Account T: 333-32402, 333-73532; 811-09855

Lincoln Life Variable Annuity Account W: 333-52572, 333-52568, 333-64208; 811-10231

Lincoln Life Variable Annuity Account JL-A: File No. 333-141888; 811-02188

Lincoln Life Variable Annuity Account JF-I: File No. 333-144276, 333-144277; 811-09779

Lincoln Life Variable Annuity Account JF-II: File No. 333-144278; 811-08374

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/ Dennis R. Glass

	
______________________________

	
President and Director

Dennis R. Glass

	
  

	
/s/ Charles C. Cornelio

	
______________________________

	
Executive Vice President; Chief Administrative Officer

	
Charles C. Cornelio

	
and Director

	
  

	
/s/ Ellen Cooper

	
______________________________

	
Executive Vice President, Chief Investment Officer

Ellen Cooper                                                                and Director

	
  

	
/s/ Randal J. Freitag

	
______________________________

	
Executive Vice President; Chief Financial Officer and Director

	
  

	
Randal J. Freitag

	
  

	
/s/ Mark E. Konen

	
______________________________

	
Executive Vice President and Director

	
  

	
Mark E. Konen

/s/ Keith J. Ryan

______________________________                   Vice President and Director

Keith J. Ryan

We, Delson R. Campbell, Scott C. Durocher, Kimberly A. Genovese, Daniel P. Herr, Donald E. Keller, Brian A. Kroll, John L. Reizian, Lawrence A. Samplatsky, Stephen R. Turer 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

____________________________________

Delson R. Campbell

/s/ Scott C. Durocher

____________________________________

Scott C. Durocher

/s/ Kimberly A. Genovese

____________________________________

Kimberly A. Genovese

/s/ Daniel P. Herr

_____________________________________

Daniel P. Herr

/s/ Donald E. Keller

__________________________________

Donald E. Keller

/s/ Brian A. Kroll

____________________________________

Brian A. Kroll

/s/ John L. Reizian

____________________________________

John L. Reizian

/s/ Lawrence A. Samplatsky

____________________________________

Lawrence A. Samplatsky

/s/ Stephen R. Turer

____________________________________

Stephen R. Turer

/s/ John D. Weber

____________________________________

John D. Weber

Version dated: October 2013ex4b.htm

Exhibit 4(b)

 

 

CONTRACT SPECIFICATIONS

 

Contract Number:                                                    [XX-0123456]

 

Annuitant:                                                                [Abraham Lincoln]

 

Age at Issue:                                                            [35]

 

Contract Date:                                                          [May 1, 2014]

 

Initial Gross Purchase Payment:                              [$5,000]

 

Maturity Date:                                                           [May 1, 2069]

 

Owner(s):                                                                [Abraham Lincoln]

        [Mary Lincoln]

 

Beneficiary Designation:                                        [Refer to the Client Information Profile]

 

Death Benefit on Contract Date:                              [Contract Value]

 

PURCHASE PAYMENT AND ALLOCATION REQUIREMENTS:

 

Minimum Subsequent Gross Purchase Payment Transmitted Electronically: $25

 

Minimum Subsequent Gross Purchase Payment Transmitted Other Than Electronically: $100

 

Minimum Allocation to Any One Variable Subaccount: $20

 

Minimum Initial Allocation To The DCA Fixed Account: $2,000

 

ACCOUNT FEE:

The Account Fee is $0 per Contract Year.

 

SALES CHARGE

A Sales Charge will not apply to this Contract.

VARIABLE ACCOUNT:

Lincoln Life Variable Annuity Account [H].

 

 

VARIABLE ACCOUNT REQUIREMENTS:

 

MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE PRIOR TO THE ANNUITY COMMENCEMENT DATE.

 

We assess a daily charge equal on an annual basis to the percentages shown of the average daily net asset value of each Variable Subaccount.  The daily charge will not exceed the percentages shown.

 

 

 

	
Death Benefit Option(s):

	
Charges:

	
- Contract Value Death Benefit:

	
TBD%

 

MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE ON OR AFTER THE ANNUITY COMMENCEMENT DATE:  0.60%

 

The daily charge will not exceed the percentage shown.

 

TRANSFER REQUIREMENTS PRIOR TO THE ANNUITY COMMENCEMENT DATE:

 

Transfers cannot be made during the first 30 days.

 

The amount being transferred may not exceed LNL’s maximum amount limit then in effect.

 

LNL reserves the right to require a 30 day minimum time period between each transfer.

 

Maximum Number of Transfers Not Subject To a Transfer Fee: 12 per Contract Year, excluding automatic DCA transfers.  Transfers in excess of 12 per Contract Year must be authorized by LNL.

 

Variable Account:

 

Minimum Single Transfer Amount From A Variable Subaccount: The lesser of 1) $300; or 2) the remaining amount in the Variable Subaccount.

 

Minimum Transfer Amount To a Variable Subaccount: $300

 

DCA Fixed Account:

 

Minimum Single Transfer To The DCA Fixed Account: $300

 

Minimum Single Transfer Amount From The DCA Fixed Account: The lesser of 1) $300; or 2) the remaining amount in the DCA Fixed Account.  This restriction does not apply to automatic DCA transfers.

 

WITHDRAWAL AND SURRENDER REQUIREMENTS:

 

Minimum Partial Withdrawal Amount: $300

 

DEATH BENEFIT REQUIREMENTS PRIOR TO THE ANNUITY COMMENCEMENT DATE:

 

None.

 

ANNUITY PAYMENT REQUIREMENTS:

 

Determination of the First Annuity Payment Date:

 

For 100% Fixed Annuity Payment, the Annuity Payment Date must be at least 30 days after the Annuity Commencement Date.  If any portion of the annuity payment will be on a variable basis, the Annuity Payment Date will be 14 days after the Annuity Commencement Date.  The Annuity Unit value, if applicable, and Contract Value used to effect annuity payments will be determined as of the Annuity Commencement Date.

 

Minimum Annuity Payment Amount: $50

 

Minimum Guaranteed Interest Rate for the Fixed Annuity Payment: 1.5%

 

Assumed Investment Rate for the Variable Annuity Payment: Between 3% and 5%

Form 30070-CD-A

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