Sr. Underwriter (Consultant) - Life New Business - General Agency Team

Date: Oct 15, 2021

Location: Hartford, CT, US

Company: Lincoln Financial

Alternate Locations: US Northeast; US Southeast; US Southwest


Work Arrangement: Work from Home


Relocation assistance is not available for this opportunity.


Level: P3 


Requisition #: 67150


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.


Be Aware of Fraudulent Recruiting Activities


If you are interested in a career at Lincoln, we encourage you to review our current openings and apply on our website. Lincoln values the privacy and security of every applicant and urges all applicants to diligently protect their sensitive personal information from scams targeting job seekers. These scams can take many forms including fake employment applications, bogus interviews and falsified offer letters.


Lincoln will not ask applicants to provide their social security numbers, date of birth, bank account information or other sensitive information in job applications. Additionally, our recruiters do not communicate with applicants through free e-mail accounts (Gmail, Yahoo, Hotmail) or conduct interviews utilizing video chat rooms. We will never ask applicants to provide payment during the hiring process or extend an offer without conducting a phone, live video or in-person interview.  Please contact Lincoln's fraud team at if you encounter a recruiter or see a job opportunity that seems suspicious.




What you will be doing:

We are excited to bring on a Sr. Underwriter (Consultant) to our Life Underwriting & New Business area to work Full Time from Home.  This position will not require the employee to come into the office.  

Background Details
•    We are growing – expanding our customer reach and market share!

As a Sr. Underwriter for Lincoln, you will analyze and deliver on more complex Underwriting assignments & projects. You are responsible for underwriting individual life insurance applications within their designated approval limit of up to $5,000,000 and up to age 85.  You will evaluate & assess more complex risks to determine whether to accept an insurance application and determine the appropriate coverage & risk.     If this sounds like you, please read on!

Opportunities to Connect with our Lead Recruiter:
•    Cathy Wilson 
LinkedIn profile

What you’ll be doing: 
•    Underwriting Individual Life Insurance - Making critical risk decision on whether to accept, modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background.
•    Enhances departmental outcomes by sharing knowledge with team members and providing advice on more complex underwriting determinations.
•    Evaluates and underwrites life insurance applications making determinations of the terms, coverage, and rating classification within their designated approval limit $2,000,000 to $5,000,000 and between ages 70 to 85.
•    Identifies and recommends process improvements that significantly reduce workloads or improve quality
•    Mentoring & Providing second signature review of life insurance applications
•    Provides training to less experienced team members on underwriting procedures and guidelines.
•    Represents the company by responding to questions during agency visits and developing relationships with agents and partners.

What we are looking for:

·    3 – 6+ years of experience in Underwriting Individual Life Insurance 
·    Demonstrated Excellence in:  Problem Solving / Analysis; Comprehension of Complex Information; Influencing Others; Risk Assessment; Demonstrated decision making using sound judgment; Negotiation Skills; Managing Conflict
·    Developed Skills in: analyzing and interpreting complex financial documents including profit/loss statements, income statements, and balance sheets
·    Strong Written and Verbal Communication skills
·    Intermediate in: Microsoft Office (Outlook, Word, PowerPoint, Excel)
·    A demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team environment 
·    Undergraduate degree or 4+ years of comparable work experience
·    Industry Exams – ALU 101, 201, 202, & LOMA encouraged
·    Developed Skills in: Estate Growth Calculations and Life Expectancy Calculations
What you will Learn, Do, Become:
•    Build Business Acumen skills on Complex Medical Topics 
•    Build Financial Acumen skills on Complex Financial / IOLI Topics
•    Become a Subject Matter Expert in an area of industry interest
•    Learn to deepen Innovative Skills
•    Participated in Agency/Customer Visits

Opportunities to Learn, Grow, Promote:
•    Advancement in Lincoln’s Career Framework to Associate Underwriting Director
•    Continued Education around Industry Designations: FALU / FLMI / CLU

What’s it like to work here:
At Lincoln Financial Group, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future.

What’s in it for YOU:
•    A clearly defined career framework to help you successfully manage your career 
•    Leadership development and virtual training opportunities
•    PTO
•    Ten Weeks Parental leave 
•    Competitive 401K and employee benefits
•    Free financial counseling, health coaching and employee assistance program
•    Tuition assistance program
•    A leadership team that prioritizes your health and well-being, offering a remote work environment
•    Effective productivity/technology tools and training



Work Arrangement:

Work from Home : Employees will work fully from home. Their job will not require the employee to come into the office, unless for special circumstances. 



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: Hartford

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