Consultant, Group Underwriting II - National Accounts

Lincoln Financial Group; Radnor (Delaware County); Remote; USD 69,000 - 125,000; Full time

Job summary

Lincoln Financial Group is seeking a Consultant II for Group Underwriting to handle underwriting projects and assess complex financial risks. The role involves reviewing coverage requests, providing recommendations, and liaising with brokers to expand market share. This position offers an opportunity for professional growth and a competitive salary.

Benefits

Tuition assistance program

Free financial counseling

Health coaching

Leadership development opportunities

Qualifications

• Must have 5-7+ years of group life and/or disability underwriting experience.
• Bachelor's degree or equivalent work experience required.

Responsibilities

• Independently assess complex financial risks related to insurance products.
• Review complex business and renewal requests for coverage.
• Provide subject matter expertise and direction on complex underwriting projects.

Skills

Underwriting

Financial Analysis

Risk Assessment

Negotiation

Education

4 Year/Bachelor's degree or equivalent work experience

Job description

Be Aware of Fraudulent Recruiting Activities: 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 [e-mail] if you encounter a recruiter or see a job opportunity that seems suspicious.

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Consultant, Group Underwriting II - National Accounts

Alternate Locations: Work from Home; Charlotte, NC (North Carolina); Fort Wayne, IN (Indiana); Omaha, NE (Nebraska); Radnor, PA (Pennsylvania); US All Regions

Work Arrangement:

Remote : Work at home employee

Relocation assistance:is not available for this opportunity.

Requisition #:74617

The Role at a Glance

As a Consultant II National Accounts Group Underwriter, you will provide subject matter expertise and direction on complex Underwriting projects and initiatives. You 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. You will determine whether to accept or reject a risk based on your analysis of the customers information.

What you'll be doing

• Reviews complex new business and renewal requests for coverage(s) for all product lines in the National segment with 5000+ lives.
• 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 your 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 your risk assessment.
• Binds LFG in financial transactions within your scope of authority by committing LFG to provide insurance coverage at the 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.
• 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.
• Adheres to departmental and compliance documentation & reporting requirements.
• Participates in and/or leads other assignments and/or projects as needed during peak and off-season.

What we’re looking for

Must-Haves:

• 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's)
• 5-7+ Years of group life and/or disability underwriting experience

Application Deadline

Applications for this position will be accepted through 7/28/25 subject to earlier closure due to applicant volume.

What’s it like to work here?

At Lincoln Financial, 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:

Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values andleadership attributes

Leadership development and virtual training opportunities

Free financial counseling, health coaching and employee assistance program

Tuition assistance program

Work arrangements that work for you

Effective productivity/technology tools and training

The pay range for this position is$69,000 - $124,600with anticipated pay for new hires between the minimum and midpoint of the range and could vary above and below the listed range as permitted by applicable law. Pay is based on non-discriminatory factors including but not limited to work experience, education, location, licensure requirements, proficiency and qualifications required for the role. The base pay is just one component of Lincoln’s total rewards package for employees. In addition, the role may be eligible for the Annual Incentive Program, which is discretionary and based on the performance of the company, business unit and individual. Other rewards may include long-term incentives, sales incentives and Lincoln’s standard benefits package.

About The Company

Lincoln Financial (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services.

With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach.

Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice.

Lincoln is committed to creating a diverse and inclusive environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

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 [e-mail] if you encounter a recruiter or see a job opportunity that seems suspicious.

Additional Information

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

Lincoln Financial 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, Veteran 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.

This Employer Participates in E-Verify. See the E-Verify notices.