Consultant, Group Underwriting I (Dental and Supplemental Health)

Alternate Locations: Work from Home; Atlanta, GA (Georgia); Charlotte, NC (North Carolina); Dover, NH (New Hampshire); Fort Wayne, IN (Indiana); Omaha, NE (Nebraska); Phoenix, AZ (Arizona); Radnor, PA (Pennsylvania); US All Regions

 

 Work Arrangement:

Hybrid/Flexible : Work at home and use the office as appropriate for in-person collaboration.

 

Relocation assistance:  is not available for this opportunity.

 

Requisition #: 73275

 

The Role at a Glance

As an Underwriting Consultant on the Specialty Health team, you will be responsible for underwriting Lincoln’s Supplemental Health (Accident, Critical Illness, Hospital Indemnity) and Dental/Vision products. You will perform and deliver on routine assignments / projects while simultaneously leveraging and applying your knowledge.  You will be responsible for more complex risks and expected to work independently and as part of a team.  You will assess 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 on your analysis of the customer’s information.

What you'll be doing

• Underwriting new business opportunities for profitable growth.  Underwriting includes, but is not limited to, financial risk assessment, contract comparison, demographic analysis, and experience-rating.
• Completing RFP documents including proposals, questionnaires, bid forms and online quote platforms.  
• Mentor non-Specialty Health underwriters on Supplemental Health and Dental/Vision products.   
• Maintaining proficiency of Lincoln’s pricing and reporting tools.  
• Managing an assigned inforce book of business by handling change requests and renewals.  
• Developing and maintaining relationships with assigned field offices.
• Consulting and negotiating with Distribution partners and Brokers.  
• Responding to appeals within designated authority.
• Presenting case underwriting to leadership team as necessary.  
• Collaborating with core underwriters to coordinate proposals and renewals on shared customers.
• Coordinating with operational teams to ensure accurate preparation of plans with appropriate coverage levels and pricing.
• Mentoring and assisting with training as needed.  
• Serving as subject matter expert as appropriate.
• Identifying and communicating process improvements that improve efficiency and/or quality of work.
• Participating in projects related to process improvements, pricing tool enhancements, underwriting documentation, product developments, and increasing underwriting knowledge and acumen. 
• Representing underwriting in cross-functional projects.
• Adhering to Lincoln’s underwriting guidelines and authority limits.  
• Assisting with other assignments/projects as needed during peak and off-seasons
• Maintaining knowledge of current and emerging trends and taking appropriate actions to incorporate into underwriting practices to maintain Lincoln’s competitive advantage.
• Promoting and enhancing organizational initiatives by positively influencing and supporting change management and/or departmental/enterprise initiatives.
• Adhering to departmental and corporate compliance documentation and reporting requirements.

What we’re looking for

Must-Haves:

• 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's) (Minimum Required)
• 3-5+ Years of Supplemental Health and Dental underwriting experience (Dental strongly preferred)

 

What’s it like to work here?

At Lincoln Financial Group, 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 Lincoln leadership Attribute.

• Leadership development and virtual training opportunities

• PTO/parental leave

• Competitive 401K and employee benefits

• Free financial counseling, health coaching and employee assistance program