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Group Underwriting Consultant

Lincoln Financial Group Atlanta, GA

Job Description

Alternate Locations: Atlanta, GA (Georgia)

Relocation assistance is not available for this opportunity.

Requisition #49583

About The Company

Lincoln Financial Group provides advice and solutions that help empower Americans to take charge of their financial lives with confidence and optimism. Today, more than 17 million customers trust our retirement, insurance and wealth protection expertise to help address their lifestyle, savings and income goals, as well as to guard against long-term care expenses. Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. The company had $222 billion in assets under management as of March 31, 2015.

The Role

As an Underwriting Consultant you be responsible for analyzing risk, determining appropriate plan designs, negotiating pricing levels and finding alternative solutions while balancing the divisions sales and retention goals. You will work closely with senior management on complex accounts and be expected to make effective decisions and recommendations.

Functional Responsibilities


  • Analyzes specifications of non-experience rated and experience rated cases, particularly large and/or complex cases, using underwriting guidelines to determine eligibility and pricing

  • Regularly evaluates non-standard exceptions and makes judgment calls whether or not to allow exceptions

  • Conducts detailed review of competitor contracts and experience and determines how it applies to Lincolns offerings. Reviews census and occupational data as well as demographic trends to determine appropriate pricing levels

  • Prepares proposals by reviewing quote requests from brokers and marketing representatives, analyzes group statistical data, actuarial reports and market information to determine plan designs and pricing levels.

  • Maintains profitability on an assigned block of active cases through regular monitoring and analysis

  • Reviews sold policies, amendments and renewals to ensure appropriate pricing and coverage


  • Negotiates benefits and pricing with brokers and internal sales representatives based on our product offerings, underwriting guidelines and pricing strategies

  • Contributes to sales team in meeting key growth goals by answering questions and requests, explaining pricing rationale, and educating them on underwriting products, policies and procedures

  • Communicates frequently by telephone and written correspondence with internal and external customers to clarify and resolve underwriting questions

  • Travels occasionally to customers' and Field offices to make presentations, meet customer needs, and represent the company at industry meetings



  • 4 Year/Bachelors Degree or equivalent work experience (4 yrs of experience in lieu of Bachelors degree)


  • 3 5 years of Group Insurance underwriting experience that directly aligns with the specific responsibilities in this position Life, STD, LTD and/or Dental product knowledge required Medical or Worksite experience may be considered
  • A demonstrated track record of consistently meeting and/or exceeding performance expectations
  • Possesses a bias for action and avoids workplace distractions
  • Drives performance targets to completion

This position may be subject to Lincolns 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 Lincolns current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Job Details

Date Posted April 16, 2018
Date Closes May 16, 2018
Requisition 49583-en_US
Located In Atlanta, GA
Department Underwriting
SOC Category 00-0000.00