Alternate Locations: Work from Home; Atlanta, GA (Georgia); Boston, MA (Massachusetts); 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 #: 73585

The Role at a Glance

We are excited to bring on a highly motivated Group Underwriting Associate to join our Underwriting team in early 2025!

As an Associate, Group Underwriter, you will perform and deliver on routine assignments and projects within the Underwriting function. You will review customer information in response to insurance coverage requests to determine appropriate manual rate based on assessment of risks. You may recommend alternate coverage plans/levels based upon risk and pricing. In addition, you will bind LFG in transactions within their scope of authority for assigned insurance products.

What you'll be doing

• Adheres to departmental & compliance documentation and reporting requirements.

• Binds LFG in financial transactions within their scope of authority by committing LFG to provide insurance coverage.

• Collaborates with more senior underwriters to analyze information to prepare new business proposals, amendments, and suggested renewal action for potential release.

• Completes training program & assigned courses to develop underwriting knowledge & skills.

• Develops and maintains relationships with assigned field offices.

• Enters customer data & information (e.g., experience rating, loss-histories, incident rates, prior pricing history, etc.) into ratings engine to determine manual rate and whether to accept risks posed by sales.

• Liaises with operational teams to ensure accurate preparation of plans with appropriate coverage level(s) & pricing.

• Maintains knowledge on current and emerging developments/trends for assigned area(s) of responsibility.

• Performs and delivers on routine assignments/projects for their assigned area(s) of responsibility.

• Recommends amendments for their assigned lines of coverage and segment.

• Reviews and further develops knowledge of company insurance lines & policy coverages, broker/consultant relationships, underwriting & team guidelines, processes, and procedures, and business goals & objectives.

• Reviews and recommends potential modifications in coverage(s) and/or coverage levels on insurance products based on customers price range.

• Reviews customer financial health, performance, operations, and personnel levels to determine if additional safeguards or conditions should be included in pricing and risk assessment.

• Reviews new business requests for proposals/coverage(s) for Dental and STD product lines in the Core segment with 100-250 lives.

• Supports and promotes change management and/or departmental/enterprise initiatives within assigned area(s) of responsibility.

• Under guidance and direction as needed from management & senior underwriters, develops judgment to accept, reject or modify prospective and renewal business for all group insurance lines to ensure a profitable and growing book of business.

• Works with more senior underwriters to reject requests for coverage based upon risk assessment.

• Works with senior underwriters & management and educational providers to enhance knowledge and experience in underwriting techniques, decision-making & problem-solving methods, and sales & negotiating skills.

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)

• 0 - 1+ Years of experience in individual or group insurance directly aligned to the specific responsibilities for this role.

• Demonstrates excellent organizational skills with ability to prioritize workload and multi-task while maintaining strict attention to detail

• Confident, comfortable communicator with strong written and verbal communication skills

• Proficiency with Microsoft Office Suite (Word, Excel)

Application Deadline

Applications for this position will be accepted through November 1, 2024 subject to earlier closure due to applicant volume.

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 (https://hrdirectdocs.lfg.com/misc/HR/Recruiting/BenefitsResourcesGuide.pdf)

• 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

The pay range for this position is $42,300 - $75,500 with 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 Company

Lincoln Financial Group helps people to plan, protect and retire with confidence. As of Dec. 31, 2023, approximately 17 million customers trust our guidance and solutions across four core businesses – annuities, life insurance, group protection and retirement plan services. As of December 31, 2023, the company had $295 billion in end-of-period account balances, net of reinsurance. Headquartered in Radnor, Pa., Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. Learn more at LincolnFinancial.com.

Lincoln is committed to creating a diverse and inclusive (https://www.lfg.com/public/aboutus/companyoverview/diversityinclusion?audience_page_id=1422918942386) 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 (http://www.facebook.com/lincolnfinancialgroup) , X (https://mobile.twitter.com/lincolnfingroup) , LinkedIn (https://www.linkedin.com/company/4307?trkInfo=tas%3Alincoln+financial%2Cidx%3A3-1-3&trk=tyah) , and Instagram (https://www.instagram.com/lincolnfingroup/) . For the latest company news, visit our newsroom (https://www.lincolnfinancial.com/public/aboutus/newsroom) .

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 fraudhotline@lfg.com if you encounter a recruiter or see a job opportunity that seems suspicious.

Additional Information

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 or 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 260-455-2558.

This Employer Participates in E-Verify. See the E-Verify (https://www.e-verify.gov) notices.

Este Empleador Participa en E-Verify. Ver el E-Verify (https://www.e-verify.gov/es) avisos.

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.