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Underwriting Director - Individual Life Insurance Brokerage Market

Lincoln Financial Group Hartford, CT

Job Description

Alternate Locations:Concord, NH (New Hampshire); Greensboro, NC (North Carolina); Hartford, CT (Connecticut); Rolling Meadows, IL (Illinois); Work from Home

Relocation assistance is not available for this opportunity.

Requisition #58494

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 a Life Underwriting Director, you will have the responsibility of underwriting individual life insurance applications within your designated approval limit of up to $20,000,000 in death benefit up to age 85 on a cross functional Underwriting & New Business team. You will provide subject matter expertise on life underwriting assignments and projects.  You will adhere to medical, non-medical and financial guidelines while determining an individuals insurability while evaluating and assessing complex risk to determine whether to accept an insurance application and determine appropriate coverage.



  • Evaluates and underwrites life insurance applications making determinations of the terms, coverage, and rating classification within your designated approval limit of $20,000,000 to age 85
  • Determines whether to accept, modify, or decline a risk through evaluation of an individuals 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 and 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



  • Undergraduate degree or 4+ years of comparable work experience
  • Industry Exams - FLMI, FALU, CLU designations and EKG certifications preferred



  • 10+ years of experience underwriting individual Life Insurance / Life Underwriting including medical, non-medical and financial risk selection
  • Demonstrated Excellence in:  Influencing Others; Risk Assessment; Decision making using sound judgment; Negotiation Skills; Managing Conflict; analyzing and interpreting complex financial documents including profit/loss statements, income statements, and balance sheets; Estate Growth Calculations and Life Expectancy Calculations; Complex Medical Topics; Complex Financials/IOLI; Subject Matter Expert in one area of Industry Interest
  • Developed Skills in: Innovative & Strategic Thinking; being a Subject Matter Expert in multiple Areas of Industry Interest
  • Confident, Comfortable Communicator with strong written and verbal communication skills
  • Intermediate in: Microsoft Office (Outlook, Word, PowerPoint, Excel)
  • A demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team environment



What you will Learn, Do, Become

  • Serve as a backup for the Sr. Underwriting Director (Leadership/Manager)
  • Learn to deepen Business Acumen & Industry Knowledge
  • Proactively manage relationships with Agents/New Business
  • Lead and Create Presentations for Agency Visits


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 March 15, 2019
Date Closes April 14, 2019
Requisition 58494-en_US
Located In Hartford, CT
Department Underwriting
SOC Category 00-0000.00