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Underwriting Director, Executive Benefits

Lincoln Financial Group Hartford, CT

Job Description

Alternate Locations:Hartford, CT (Connecticut)

Relocation assistance is not available for this opportunity.

Requisition #57242

About the Company

Lincoln Financial Group, a Fortune 250 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 customers 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 $253 billion in assets under management as of December 31, 2017.

Ranked one of the Best Large Employers in America by Forbes magazine, 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.

The Role

As the Underwriting Director, Executive Benefits (Individual Contributor), you will provide subject matter expertise on underwriting assignments and projects. You will be responsible for underwriting life insurance applications within Lincoln Financial Groups Life Executive Benefits area with designated approval limit of up to $20,000,000 to age 85. You will evaluate and assesses complex risks to determine whether to accept an insurance application and determines the appropriate coverage/risk. This position will adhere to medical, non-medical, and financial guidelines while determining an individual's insurability.


  • Maintains knowledge on Executive Benefits COLI/BOLI and multi-life Business Insurance, assesses the impact, and collaborates with senior management to incorporate new trends and developments in current and future solutions.
  • Evaluates and underwrites life insurance applications making determinations of the terms, coverage, and rating classification within his/her designated approval limit of $20,000,000 to age 85.
  • Determines whether to accept, modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background.
  • Enhances departmental outcomes by sharing knowledge with team members and providing advice on complex underwriting determinations.
  • Identifies trends/issues and offers solutions on complex issues, including appeals and exceptions to meet customer needs while ensuring alignment to business strategies.
  • Takes ownership of highly complex case load to proactively communicate with customer and other departments to enhance relationships and facilitate placement of highly visible business.
  • Provides second signature reviews for any level underwriter for all amounts up to and including their maximum designated approval limit of $20,000,000.
  • Designs and leads effective presentations for customers and distribution partners.
  • Represents the company at industry and customer meetings.
  • Negotiates sensitive, high-impact underwriting decisions with key distribution partners.
  • Leads project teams.
  • Mentors underwriting team members and serves as a subject matter expert in one or more financial and/or medical topics related to underwriting and risk assessment; conducts trainings and/or prepares written documentation in field of expertise.


  • 4 Year Bachelor's degree or 4+ years of equivalent work experience
  • Underwriting including medical, non-medical and financial risk selection
  • FALU, FLMI, CLU preferred but not required (Industry Designations strongly encouraged)


  • 10+ Years of Individual Life Underwriting experience directly aligned to the specific responsibilities of this position. (Required)
  • Experience underwriting COLI / BOLI and/or Business Insurance
  • Evaluate trends in data or information Strong Risk Assessment Skills
  • Demonstrated strong negotiation skills
  • Demonstrated strong relationship management skills with internal clients (e.g. senior management, peers and colleagues); proven ability to develop creative and collaborative approaches
  • Proficiency with Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)

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.

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, veterans 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.

Job Details

Date Posted October 30, 2018
Date Closes November 29, 2018
Requisition 57242-en_US
Located In Hartford, CT
Department Underwriting
SOC Category 00-0000.00