Underwriting Sr. Consultant, Group Life Insurance (COLI/BOLI)

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
• Learn to deepen Innovative Skills
• Participated in Agency/Customer Visits
• Opportunities to Learn, Grow, Promote

Application Deadline

Applications for this position will be accepted through August 31, 2026, subject to earlier closure due to applicant volume.