Consultant I, Group Underwriting (750-4,999)

Alternate Locations: Work from Home

 

 Work Arrangement:

Remote : Work at home employee

 

Relocation assistance:  is not available for this opportunity.

 

Requisition #: 74895

 

The Role at a Glance

As a Consultant I, you will consult, analyze, and deliver on more complex assignments/projects within the Underwriting function. You will also act as a resource to internal/external stakeholders. You will independently assess more complex & higher value financial risks related to insurance products, determine price at which LFG will accept risks, alter coverage plans/levels based on risk & pricing, and bind LFG in transactions for insurance products. You will determine whether to accept or reject a risk based upon their analysis of the customer’s information.

What you'll be doing

•    Reviews more complex new business and renewal requests for proposals/ coverage(s) for Life and Disability product lines in the Regional segment with 750 to 4,999 (primary segment is 750 to 1,999).
•    Recommends potential modifications in more complex coverage(s) and/or coverage levels on insurance products based on customer's price range.
•    Adds more complex amendments/ACRs for their assigned lines of coverage and segment(s).
•    Analyzes more complex customer data & information to independently determine the price, within a wider range of authority, at which to accept the risks posed by sales.
•    Generally operates independently unless case premium is beyond role authority level or extremely complex risk issues are prevalent (i.e. participating contracts, block business, etc.).
•    Negotiates more 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.
•    Contributes to overall growth and profit objectives.
•    Independently determines if requests for coverage should be rejected based on their risk assessment.
•    Binds LFG in financial transactions within their scope of authority by committing LFG to provide insurance coverage at their determined rates.
•    Independently prepares and determines coverage & pricing proposals, renewals, amendments through analysis of customer data & information received from quote requests from brokers & marketing representatives.
•    Liaises with 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.
•    Adheres to departmental and compliance documentation & reporting requirements.
•    Routinely assists with other assignments/projects as needed during peak and off-season.
•    Maintains knowledge on current and emerging developments/trends, assesses the impact, and collaborates with management to incorporate new trends and developments in current and future solutions.
•    Champions and enhances organizational initiatives by positively influencing and supporting change management and/or departmental/enterprise initiatives within.
•    Serves as a resource to team members and applicable internal/external stakeholders on more complex assignments/projects.
•    Identifies and recommends process improvements that significantly reduce workloads or improve quality.

What we’re looking for

Must-haves:
•    3+ Years of group life and/or disability underwriting experience directly aligned to the specific responsibilities for this role. 
•    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 9/21/2025 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 d