Life Underwriter

Alternate Locations: Work from HomeWork 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 #:76042The Role at a GlanceWe are excited to bring on an Underwriting (Sr Consultant) to our Specialty Underwriting Team. This position will not require the employee to come into the office. Background DetailsWe are growing – expanding our customer reach and market share!As an Underwriting Sr Consultant for Lincoln’s Specialty Underwriting Team, you will analyze and deliver on more complex Underwriting assignments & projects. You will cross train and underwrite EB, GI/SI and COLI business. You will also have exposure to underwriting individual life insurance applications within your designated approval limit of up to $20,000,000 (with appropriate second sign) 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!What you'll be doingCross Training and underwriting EB, GI/SI and COLIUnderwriting Individual Life Insurance - Making critical risk decisions 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.Underwriting complex medical and financial cases to include: Premium Finance designs, Foreign Nationals, HIV+ applicants and professional athletesReviewing inforce underwriting functions to include: reinstatements, term conversions, and policy changesEnhancing departmental outcomes by sharing knowledge with team members and providing advice on more complex underwriting determinations.Evaluating and underwriting life insurance applications to make determinations on the terms, coverage, and rating classification within your designated approval limitIdentifying and recommending process improvements that significantly reduce workloads or improve qualityMentoring & Providing second signature review of life insurance applicationsProviding training to less experienced team members on underwriting procedures and guidelines.Representing the company by responding to questions during agency visits and developing relationships with agents and partners.What we’re looking forMust-haves:5-7+ years of experience in Underwriting Individual Life InsuranceDemonstrated Excellence in: Problem Solving / Analysis; Comprehension of Complex Information; Influencing Others; Risk Assessment; Demonstrated decision making using sound judgment; Negotiation Skills; Managing ConflictDeveloped Skills in: analyzing and interpreting complex financial documents including profit/loss statements, income statements, and balance sheetsStrong Written and Verbal Communication skillsIntermediate 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 environmentUndergraduate degree or 4+ years of comparable work experienceNice-to-haves: Industry Exams – ALU 101, 201, 202, & LOMA encouragedDeveloped Skills in: Estate Growth Calculations and Life Expectancy CalculationsApplication DeadlineApplications for this position will be accepted through September 30, 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 andleadership attributesLeadership development and virtual training opportunitiesPTO/parental leaveCompetitive 401K and employee benefitsFree financial counseling, health coaching and employee assistance programTuition assistance programWork arrangements that work for youEffective productivity/technology tools and trainingThe pay range for this position is$94,875 - $151,800with 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 CompanyLincoln 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.Follow us on Facebook, X, LinkedIn,Instagram, and YouTube.For the latest company news, visit our newsroom.Be Aware of Fraudulent Recruiting ActivitiesIf 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.Additional InformationThis 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 .This Employer Participates in E-Verify. See the E-Verify notices.Este Empleador Participa en E-Verify. Ver el E-Verify avisos.