0000726865-24-000622 Sample Contracts

Individual Modified Single Purchase Payment Deferred Variable Annuity Contract With Annuity Payment Options
Lincoln New York Account N for Variable Annuities • October 10th, 2024

Lincoln Life & Annuity Company of New York (Company, Our, Us, We) agrees to provide the benefits and other rights described in this Contract in accordance with the terms of this Contract.

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Amendment for IRA Retirement Plan (Effective Date January 1, 2023)
Ira Retirement Plan • October 10th, 2024 • Lincoln New York Account N for Variable Annuities

This Amendment is made a part of the Contract to which it is attached and is effective on the later of the Effective Date shown above or the Contract Date. This Contract is intended to qualify as an IRA under section 408(b) of the Internal Revenue Code (“Code”). At the request of the Owner, the Contract is amended by this Amendment to permit the Contract to qualify as an IRA. This Amendment supersedes any conflicting terms in the Contract and any prior Amendment for IRA Retirement Plan. References to “section” are to sections of the Code or the regulations under the Code and include any successor provisions of the Code or regulations.

Amendment for Roth IRA Retirement Plan (Effective Date January 1, 2023)
Lincoln New York Account N for Variable Annuities • October 10th, 2024

This Amendment is made a part of the Contract to which it is attached and is effective on the later of the Effective Date shown above or the Contract Date. This Contract is intended to qualify as a Roth IRA under sections 408(b) and 408A of the Internal Revenue Code (“Code”). At the request of the Owner, the Contract is amended by this Amendment to permit the Contract to qualify as a Roth IRA. This Amendment supersedes any conflicting terms in the Contract and any prior Amendment for Roth IRA Retirement Plan. References to “section” are to sections of the Code or the regulations under the Code and include any successor provisions of the Code or regulations.

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