Underwriting Sr. Consultant, Executive Benefits

Lincoln Financial Group; Hartford (CT); On-site; USD 96,900 - 176,200; Full time

Benefits offered by this job

Tuition assistance program

Free financial counseling

Employee assistance program

Job summary

Lincoln Financial Group is seeking an Underwriting Sr. Consultant to join the Executive Benefits Team. This fully remote position requires 5-7 years of experience in individual life insurance underwriting and involves underwriting COLI/BOLI/ICOLI programs while ensuring compliance. The candidate should have strong analytical skills and an understanding of financial documents. Competitive salary range of $96,900 - $176,200, with additional benefits including tuition assistance and health coaching.

Qualifications

• 5-7+ years of experience in Underwriting Individual Life Insurance.
• Demonstrated decision making using sound judgment.
• Developed skills in analyzing complex financial documents.

Responsibilities

• Underwrite Guaranteed Issue (GI) and Simplified Issue (SI) COLI cases.
• Analyze lives within executive and broad based COLI/BOLI/ICOLI programs.
• Determine appropriate ratings and underwriting actions.

Skills

Problem Solving

Risk Assessment

Influencing Others

Strong Written Communication

Strong Verbal Communication

Negotiation Skills

Managing Conflict

Education

Bachelor's degree or 4+ years work experience

Tools

Microsoft Office (Outlook, Word, PowerPoint, Excel)

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

Select how often (in days) to receive an alert:

Remote : Work at home employee residing outside of a commutable distance to an office location.

Relocation assistance:is not available for this opportunity.

Requisition #:76042

The Role at a Glance

We are excited to bring on an Underwriting Sr. Consultant to join our Executive Benefits Team, supporting our Retail Solutions Business in a work from home environment.

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

As an Underwriting Sr. Consultant for Lincoln's Executive Benefits Team, you will support employer owned life insurance programs focused on executive and employee benefit funding solutions. This role underwrites COLI/BOLI/ICOLI programs while ensuring strong risk selection, regulatory compliance, and institutional underwriting discipline.

The ideal candidate brings deep COLI expertise, medical and financial underwriting judgment, and the ability to partner effectively with sales, product, case management, and reinsurance teams.

What you'll be doing

• Underwrite Guaranteed Issue (GI) and Simplified Issue (SI) COLI cases in accordance with carrier guidelines and program parameters
• Analyze lives within executive and broad based COLI/BOLI/ICOLI programs
• Determine appropriate ratings, underwriting actions, and capacity decisions
• Review compensation data, employee classifications, and benefit structures
• Assess financial justification consistent with employer owned life insurance standards
• Ensure policy face amounts align with program intent and eligibility requirements
• Underwrite in compliance with IRC §101(j) notice and consent requirements
• Ensure adherence to carrier COLI governance standards and underwriting guidelines
• Support internal review committees and large case decision processes
• Perform medical underwriting as required
• Apply thorough knowledge of Qualified Purchaser and Accredited Investor definitions to support program eligibility, structure, and regulatory alignment
• Builds and maintains strong relationships with internal and external partners

What we’re looking for

Must-have experience (required):

• Bachelor's degree or 4+ years of comparable work experience
• 5-7+ 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

Nice-to-have experience (preferred):

• Industry Exams – LOMA encouraged

What you will Learn, Do, Become:

• Build Financial Acumen skills on Complex Financial Topics
• Become a Subject Matter Expert in an area of industry interest
• Participated in Agency/Customer Visits
• Opportunities to Learn, Grow, Promote

Application Deadline

Applications for this position will be accepted through May 29, 2026, 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 and leadership 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 $96,900 - $176,200 with 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 an 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.

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