LINCOLN NATIONAL VARIABLE ANNUITY ACCOUNT H
Shareholder's Advantage
Supplement to the Prospectus dated September 23, 1999
Effective February 22, 2000
This Supplement describes a change that is being made to your Shareholder's
Advantage variable annuity contract. Please keep this Supplement with your
current Shareholder's Advantage Prospectus and retain it for reference. The
change discussed in this Supplement modifies the description of the contract
feature as set forth in the September 23, 1999 Prospectus.
On page 9 of the Prospectus, a new table describing the level of sales charges
will replace the existing table found in the first paragraph of the section
entitled "Sales charge". The new table is as follows:
<TABLE>
<CAPTION>
<S> <C>
Owner's investment Sales charge
Under $25,000 5.75%
$ 25,000 - $ 49,999 5.00%
$ 50,000 - $ 99,999 4.50%
$ 100,000 - $249,999 3.50%
$ 250,000 - $499,999 2.50%
$ 500,000 - $749,999 2.00%
$ 750,000 - $999,999 1.50%
$1,000,000 or greater 1.00%
</TABLE>
