**Alternate Locations:** Atlanta, GA (Georgia); Austin, TX (Texas); Bakersfield, CA (California); Baltimore, MD (Maryland); Baton Rouge, LA (Louisiana); Birmingham, AL (Alabama); Boise, ID (Idaho); Boston, MA (Massachusetts); Buffalo, NY (New York); Canonsburg, PA (Pennsylvania); Charlotte, NC (North Carolina); Chicago, IL (Illinois); Cincinnati, OH (Ohio); Cleveland, OH (Ohio); Columbia, SC (South Carolina); Columbus, OH (Ohio); Concord, NH (New Hampshire); Dallas, TX (Texas); Deerfield Beach, FL (Florida); Denver, CO (Colorado); Detroit, MI (Michigan); Dover, NH (New Hampshire); Durham, NC (North Carolina); Edina, MN (Minnesota); Edison, NJ (New Jersey); Ellicott City, MD (Maryland); Fayetteville, SC (South Carolina); Florence, SC (South Carolina); Fort Lauderdale, FL (Florida); Fort Wayne, IN (Indiana); Fort Worth, TX (Texas); Gainsville, FL (Florida); Glen Allen, VA (Virginia); Glendale, CA (California); Greensboro, NC (North Carolina); Greenwood Village, CO (Colorado); Hartford, CT (Connecticut); Houston, TX (Texas); Huntsville, AL (Alabama); Indianapolis, IN (Indiana); Irvine, CA (California); Jacksonville, FL (Florida); Johnson City, TN (Tennessee); Kansas City, KS (Kansas); La Jolla, CA (California); Lexington, KY (Kentucky); Los Angeles, CA (California); Louisville, KY (Kentucky); Lutherville, MD (Maryland); Madison, WI (Wisconsin); Memphis, TN (Tennessee); Miami, FL (Florida); Milwaukee, WI (Wisconsin); Minneapolis, MN (Minnesota); Nashville, TN (Tennessee); New York, NY (New York); None; Norwood, OH (Ohio); Omaha, NE (Nebraska); Orlando, FL (Florida); Palm Desert, CA (California); Paramus, NJ (New Jersey); Parsippany, NJ (New Jersey); Philadelphia, PA (Pennsylvania); Phoenix, AZ (Arizona); Pittsburgh, PA (Pennsylvania); Plano, TX (Texas); Plymouth Meeting, PA (Pennsylvania); Portland, ME (Maine); Portland, OR (Oregon); Radnor, PA (Pennsylvania); Raleigh, NC (North Carolina); Richmond, VA (Virginia); Rochester, NY (New York); Rockville, MD (Maryland); Rolling Meadows, IL (Illinois); Rye Brook, NY (New York); Sacramento, CA (California); Salt Lake City, UT (Utah); San Antonio, TX (Texas); San Diego, CA (California); San Francisco, CA (California); San Ramon, CA (California); Schaumburg, IL (Illinois); Scottsdale, AZ (Arizona); Seattle, WA (Washington); Southfield, MI (Michigan); St. Louis, MO (Missouri); Syosset, NY (New York); Tampa, FL (Florida); Toledo, OH (Ohio); Tupelo, MS (Mississippi); US All Regions; US Midwest; US Northeast; US Southeast; US Southwest; US West; Vienna, VA (Virginia); Virginia Beach, VA (Virginia); Walnut Creek, CA (California); Washington, DC (District of Columbia); Westlake Village, CA (California); White Plains, NY (New York); Windsor, CT (Connecticut); Woodmere, OH (Ohio); Work from Home
**Work Arrangement:** Work from Home
**Relocation assistance:** : is not available for this opportunity.
**Pay Range:** $63,100 - $137,900
**Requisition #:** 69780
**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 1,000 to 5,000 lives.
+ 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.
+ 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.
+ 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.
+ Assists with other assignments/projects as needed during peak and off-season.
+ Maintains knowledge on current and emerging developments/trends for assigned area(s) of responsibility, 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:**
+ 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's) (Minimum Required)
+ 3+ Years of group life and/or disability underwriting experience directly aligned to the specific responsibilities for this role. (Required)
**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:**
+ A clearly defined career framework to help you successfully manage your career
+ Leadership development and virtual training opportunities
+ PTO/parental leave
+ Competitive 401K and employee benefits ([ Link removed ] - Click here to apply to Consultant I, Group Underwriting (1000-5000)
+ Free financial counseling, health coaching and employee assistance program
+ Tuition assistance program
+ A leadership team that prioritizes your health and well-being; offering a remote work environment and flexible work hybrid situations
+ Effective productivity/technology tools and training
Work from Home : Employees will work from home and are not required to work in a Lincoln office on a regular basis.
**Lincoln will evaluate the following when setting the successful candidate's wage rate:**
• Prior work or industry experience.
• Education level to the extent education is relevant to the position.
• Unique skills
**About The Company**
Lincoln Financial Group, a Fortune 200 company with over 10,000 employees, provides advice and solutions that help empower Americans to take charge of their financial lives with confidence. Our core business areas - Life Insurance, Annuities, Retirement Plan Services and Group Protection - focus on supporting, preserving and enhancing over 17 million customer's lifestyles and retirement outcomes.
Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. The company had $324 billion in end-of-period account values as of June 30, 2021.
Ranked one of the Best Large Employers in America and Best Employers for Women by _Forbes_ magazine as well as one of _Newsweek's_ Most Responsible Companies, Lincoln Financial Group makes a serious investment in our employees' futures through a broad range of wealth accumulation and protection plans, health and wellness programs, and career development resources designed to help each individual reach their personal and professional goals.
Lincoln is committed to creating a diverse and inclusive ([ Link removed ] - Click here to apply to Consultant I, Group Underwriting (1000-5000)
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.
Lincoln Financial Group is a committed corporate citizen included on major sustainability indices including the Dow Jones Sustainability Index North America and FTSE4Good. Dedicated to diversity and inclusion, we earned perfect 100 percent scores on the Corporate Equality Index and the Disability Equality Index. Follow us on Facebook ([ Link removed ] - Click here to apply to Consultant I, Group Underwriting (1000-5000)
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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 [ Email address blocked ] - Click here to apply to Consultant I, Group Underwriting (1000-5000)
if you encounter a recruiter or see a job opportunity that seems suspicious.
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/candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial Group are considered property of Lincoln Financial Group and are not subject to payment of agency fees.
Lincoln Financial Group ("LFG") 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 (including pregnancy), age, national origin, disability, sexual orientation, gender identity and expression, Veteran status, or genetic information. 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 ([ Link removed ] - Click here to apply to Consultant I, Group Underwriting (1000-5000)
Este Empleador Participa en E-Verify. Ver el E-Verify ([ Link removed ] - Click here to apply to Consultant I, Group Underwriting (1000-5000)
Lincoln Financial Group ("LFG") 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 (including pregnancy), age, national origin, disability, sexual orientation, gender identity and expression, veterans status, or genetic information. Opportunities throughout LFG are available to employees and applicants and are evaluated on the basis of job qualifications. We have a drug free work environment and we perform pre-employment substance abuse testing.
- Change Management
- Coaching And Mentoring
- Market Share
- Target Market Selection