Group Underwriting Associate

Alternate Locations: Work from Home

Work Arrangement:

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

Relocation assistance: is not available for this opportunity.

Requisition #: 76895

The Role at a Glance

We are excited to bring on a highly motivated Group Underwriting Associate to join our Underwriting team in early 2027! In this role, you will perform and deliver on routine assignments and projects within the Underwriting function. You will review customer information in response to insurance coverage requests to determine appropriate manual rate based on assessment of risks. You may recommend alternate coverage plans/levels based upon risk and pricing. In addition, you will bind LFG in transactions within their scope of authority for assigned insurance products.

What you'll be doing

• Reviews new business requests for proposals/coverage(s) for Life, Disability, Supplemental Health, Dental, and STD product lines in the Local Markets segment
• Adheres to departmental & compliance documentation and reporting requirements
• Binds LFG in financial transactions within their scope of authority by committing LFG to provide insurance coverage
• Collaborates with more senior underwriters to analyze information to prepare new business proposals, amendments, and suggested renewal action for potential release
• Develops an understanding of underwriting authority levels and appropriately escalates cases requiring senior underwriter, management, pricing, reinsurance, or other specialized review
• Partners with assigned HUB office to understand customer needs, communicate underwriting decisions, resolve questions, and identify solutions that balance competitiveness with appropriate risk management
• Develops underwriting judgment by evaluating pricing results, plan design, census, experience, participation, risk characteristics and other case-specific information to determine whether results are reasonable and appropriate
• Liaises with operational teams to ensure accurate preparation of plans with appropriate coverage level(s) & pricing
• Reviews and further develops knowledge of company insurance lines & policy coverages, broker/consultant relationships, underwriting & team guidelines, processes, and procedures, and business goals & objectives
• Reviews and recommends potential modifications in coverage(s) and/or coverage levels on insurance products based on customers’ price range
• Reviews customer financial health, performance, operations, and personnel levels to determine if additional safeguards or conditions should be included in pricing and risk assessment
• Supports and promotes change management and/or departmental/enterprise initiatives
• Under guidance and direction as needed from management & senior underwriters, develops judgment to accept, reject or modify prospective and renewal business for all group insurance lines to ensure a profitable and growing book of business, based upon risk assessment
• 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

What we’re looking for

Must-haves:
• 0 - 1+ Years of experience in individual or group insurance directly aligned to the specific responsibilities for this role
• Demonstrates excellent organizational skills with ability to prioritize workload and multi-task while maintaining strict attention to detail
• Confident, comfortable communicator with strong written and verbal communication skills
• Proficiency with Microsoft Office Suite (Word, Excel)
• 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's

Application Deadline

Applications for this position will be accepted through December 18th, 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

• PTO/parental leave

• Competitive 401K and employee benefits

• 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 $42,260 - $82,200 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.

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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 View email address on aiapply.co 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 ("Lincoln" or "the Company") 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, age, national origin or disability. Opportunities throughout Lincoln are available to employees and 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 View phone number on aiapply.co.

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

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