LINCOLN NATIONAL LIFE INSURANCE COMPANY
AMERICAN LEGACY III
LINCOLN NATIONAL VARIABLE ANNUITY ACCOUNT H
SUPPLEMENT DATED AUGUST 21, 1998
TO PROSPECTUS DATED APRIL 1, 1998
PLEASE READ THIS SUPPLEMENT CAREFULLY AND RETAIN IT FOR FUTURE
REFERENCE.
The following information will replace in its entirety item number 5, on page
12, under Charges and other deductions -- Contingent
deferrred sales charges: A surrender of a contract or withdrawal of contract
value as a result of the permanent and total disability of the owner as defined
in Section 22(e)(3) of the code [except for contracts issued in the State of New
Jersey where permanent and total disability is defined as: (1) during the first
24 months of disability, the owner must be unable to engage in his or her
regular occupation and (2) after 24 months of disability or if the owner was not
engaged in an occupation when disabiity began, the owner must be unable to
engage in any occupation for which he or she is or could be suited by reason of
education, training or experience. Being a homemaker or student is considered
engaging in an occupation], subsequent to the effective date of the contract and
before the 65th birthday of the owner.
The following information is added on page 6 under Synopsis -- What charges
are associated with this contract, to the end of item number 6 and on page 12
under Charges and other deductions -- Contingent deferred sales
charges, to the end of item number 8:
(This waiver does not apply to contracts issued in the State of New Jersey.)
