Underwriting Director – LFA Team Life Underwriting & New Business

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.

Alternate Locations: Work from Home (Excluding Colorado)

Work Arrangement:  Work from Home

Relocation assistance is not available for this opportunity.

Level: P4 

Requisition #: 67522

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 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 $238 billion in assets under management as of December 31, 2018.

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.

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.

General Purpose of Job

As an Underwriting Director (non-management) you will provide subject matter expertise on underwriting assignments and projects.

They are responsible for underwriting life insurance applications within their designated approval limit of up to $20,000,000 to age 85.

They evaluate and assess complex risks to determine whether to accept an insurance application and determine the appropriate coverage/risk.

This position will adhere to medical, non-medical, and financial guidelines while determining an individual’s insurability.

Are you a talented, experienced Individual Life Underwriter that enjoys working on large, complex cases?

Come join the Lincoln Financial Advisor Team…

#LI-REMOTE

Duties and Responsibilities

Designs and leads effective presentations for customers and distribution partners.

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.

Directs and enhances organizational initiatives by positively influencing and supporting change management and/or departmental/enterprise initiatives within assigned area(s) of responsibility.

Enhances departmental outcomes by sharing knowledge with team members and providing advice on complex underwriting determinations.

Evaluates and underwrites life insurance applications making determinations of the terms, coverage, and rating classification within their designated approval limit of $20,000,000 to age 85.

Identifies and directs the implementation of process improvements that significantly improve quality across the team, department and/or business unit for their assigned area(s) of responsibility.

Identifies trends/issues and offers solutions on complex issues, including appeals and exceptions to meet customer needs while ensuring alignment to business strategies.

Leads project teams.

Maintains knowledge on current and emerging developments/trends for assigned area(s) of responsibility, assesses the impact, and collaborates with senior management to incorporate new trends and developments in current and future solutions.

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.

Negotiates sensitive, high-impact underwriting decisions with key distribution partners.

Provides direction on complex assignments, projects, and/or initiatives to build and enhance the capability of their assigned area(s) of responsibility.

Provides second signature reviews for any level underwriter for all amounts up to and including their maximum designated approval limit of $20,000,000.

Provides subject matter expertise to team members and applicable internal/external stakeholders on complex assignments/projects for their assigned area(s) of responsibility.

Represents the company at industry and customer meetings.

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.

Education

4 Year/Bachelor’s degree or equivalent work experience (4 years of experience in lieu of Bachelor’s)
– Minimum Required

Certifications

Experience

5 7+ Years Individual Life Underwriting experience directly aligned to the specific responsibilities of this position.

(Required )

Work Arrangement:

Work from Home : Employees will work fully from home.

Their job will not require the employee to come into the office, unless for special circumstances. 

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, 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.