Sr. Consultant, Group Underwriting (<1000)

Date: Jul 10, 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 #60046

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 provide leadership, mentoring and training within the <1000 team and offer subject matter expertise and direction on complex underwriting projects & initiatives. This role will independently assess complex financial risks related to insurance products, determine price at which LFG accepts risks, alter coverage plans/levels, and bind LFG in transactions for insurance products. S/he will determine whether to accept or reject a risk based on his/her analysis of the customer’s information.  The role will have heavy emphasis on leadership and supporting team development, with some direct case work based on business needs.



  • Acts as a team lead assisting management with team workload, reviewing appeals in the Core segment with 100-1000 lives, and handling case reviews of lower level underwriters.
  • Provides mentoring and guidance on Core underwriting; acts as a subject matter expert in 2 or more lines of coverage and/or customer segment.
  • Contributes to materials and/or conducts training on underwriting guidelines & procedures.
  • Participates in and/or leads other assignments and/or projects as needed during peak and off-season.
  • Reviews new business and renewal requests for coverage(s) for all product lines in the Core segment with 100-1000 lives, with emphasis on the larger, more complex risks.
  • Directs and enhances organizational initiatives by positively influencing and supporting change management and/or departmental/enterprise initiatives within assigned area(s) of responsibility.
  • Identifies and directs the implementation of process improvements that significantly improve quality across the team, department and/or business unit for his/her assigned area(s) of responsibility.
  • Provides subject matter expertise to team members and applicable internal/external stakeholders on complex assignments/projects for his/her assigned area(s) of responsibility.
  • Maintains knowledge on current and emerging developments/trends for assigned area(s) of responsibility, assesses the impact, and collaborates with senior management to incorporate new trends and developments in current and future solutions.
  • Provides direction on complex assignments, projects, and/or initiatives to build and enhance the capability of his/her assigned area(s) of responsibility.
  • Recommends potential modifications in complex coverage(s) and/or coverage levels on insurance products based on customer's price range.
  • Adds complex amendments/ACRs for his/her assigned lines of coverage and segment(s).
  • Analyzes complex customer data & information to independently determine the price, within a wider range of authority, at which to accept the risks posed by sales.
  • Negotiates complex benefits & pricing on non-experienced rated & experienced rated cases with brokers & representatives.
  • Analyzes financial health, performance, operations, and personnel levels of customers to determine if additional safeguards or conditions should be included in pricing and risk assessment.
  • Independently determines if requests for coverage should be rejected based on his/her risk assessment.
  • Binds LFG in financial transactions within his/her scope of authority by committing LFG to provide insurance coverage at his/her determined rates.
  • Independently prepares and determines complex coverage & pricing proposals, renewals, amendments through analysis of customer data & information received from quote requests from brokers & marketing representatives.
  • Provides direction to operational teams to ensure accurate preparation of plans with appropriate coverage level(s) & pricing.
  • Meets with brokers and sales teams to develop relationships, discuss target markets and potential pricing approaches to expand market share.
  • Adheres to departmental and compliance documentation & reporting requirements.



  • 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's) (Minimum Required)
  • 5 – 7+ Years of group life and/or disability underwriting experience 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, Marketing Consultant, Change Management, Insurance, Marketing, Management