Associate, Group Underwriting

Date: Jun 20, 2019

Location: Dover, NH, US

Company: Lincoln Financial

Alternate Locations: Atlanta, GA (Georgia); Boston, MA (Massachusetts); Dover, NH (New Hampshire); Omaha, NE (Nebraska)

Relocation assistance is not available for this opportunity.

Requisition #59915

About the Company

Lincoln Financial Group, a Fortune 250 company with over 10,000 employees, provides advice and solutions that help empower Americans to take charge of their financial lives with confidence. Our core business areas — Life Insurance, Annuities, Retirement Plan Services and Group Protection — focus on supporting, preserving and enhancing over 17 million customer’s lifestyles and retirement outcomes.

Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. The company had $238 billion in assets under management as of December 31, 2018.

Ranked one of the Best Large Employers in America by Forbes magazine, Lincoln Financial Group makes a serious investment in our employees’ futures through a broad range of wealth accumulation and protection plans, health and wellness programs, and career development resources designed to help each individual reach their personal and professional goals.



This position will perform and deliver on routine assignments and projects within the Underwriting function. S/he will review customer information in response to insurance coverage requests to determine appropriate case rates based on assessment of risks. S/he may recommend alternate coverage plans/levels based upon risk and pricing. S/he will bind LFG in transactions within his/her scope of authority for assigned insurance products.



  • Supports and promotes change management and/or departmental/enterprise initiatives within assigned area(s) of responsibility.
  • Maintains knowledge on current and emerging developments/trends for assigned area(s) of responsibility.
  • Performs and delivers on routine assignments/projects for his/her assigned area(s) of responsibility.
  • Completes training program & assigned courses to develop underwriting knowledge & skills.
  • Reviews new business requests for proposals/coverage(s) for all product lines in the 100-250 lives segment.
  • Reviews and recommends potential modifications in coverage(s) and/or coverage levels on insurance products based on customer’s price range.
  • Completes amendments for his/her assigned lines of coverage and segment.
  • Enters customer data & information (e.g., experience rating, loss-histories, incident rates, prior pricing history, etc.) into rating tools to determine appropriate case rates and whether to accept risks posed by sales.
  • Reviews customer financial health, performance, operations, and personnel levels to determine if additional safeguards or conditions should be included in pricing and risk assessment.
  • Binds LFG in financial transactions within his/her scope of authority by committing LFG to provide insurance coverage.
  • Liaises with operational teams to ensure accurate preparation of plans with appropriate coverage level(s) & pricing.
  • Develops and maintains relationships with assigned field offices.
  • Adheres to departmental & compliance documentation and reporting requirements.
  • Under guidance and direction as needed from management & senior underwriters, develops judgment to accept, reject or modify prospective, amended and renewal business for all group insurance lines to ensure a profitable and growing book of business.
  • Works with senior underwriters & management and educational providers to enhance knowledge and experience in underwriting techniques, decision-making & problem-solving methods, and sales & negotiating skills.
  • Reviews and further develops knowledge of company insurance lines & policy coverages, broker/consultant relationships, underwriting & team guidelines, processes, and procedures, and business goals & objectives.


  • 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's) (Minimum Required)
  • 0 - 1+ Years of experience in individual or group insurance directly aligned to the specific responsibilities for this role. (Required)


  • Travel Type: National Domestic
  • Travel Amount: up to 10%

This position may be subject to Lincoln’s Political Contribution Policy.  An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln’s current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes/candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial Group are considered property of Lincoln Financial Group and are not subject to payment of agency fees.

Lincoln Financial Group (“LFG”) is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex (including pregnancy), age, national origin, disability, sexual orientation, gender identity and expression, veterans status, or genetic information.  Applicants are evaluated on the basis of job qualifications.  If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling 260-455-2558.


Nearest Major Market: Dover

Job Segment: Underwriter, Change Management, Insurance, Management