Lead group underwriter

Alternate Locations: Work from Home

Work Arrangement: Remote : Work at home employee residing outside of a commutable distance to an office location.

Relocation assistance: is not available for this opportunity.

Requisition #: 76666

The Role at a Glance

As a Lead Group Underwriter on the Specialty Health team, you will underwrite new and existing business for Lincoln's Supplemental Health (Accident, Critical Illness, and Hospital Indemnity) products. You'll assess risk, develop pricing recommendations, and support profitable growth and customer retention through sound underwriting decisions.

This role offers the opportunity to work independently on more complex underwriting assignments while partnering with Sales, Account Management, Product, Pricing, and Operations teams to drive business results. You'll build strong relationships, influence underwriting outcomes, contribute to process improvements, and continue to grow your technical and industry expertise.

What you'll be doing

• Underwrite new business, renewals, and amendments for Supplemental Health products
• Manage an assigned in-force book of business
• Assess risk by evaluating group characteristics, demographics, participation, benefit design, claims experience, and other underwriting factors
• Perform experience rating and collaborate with actuarial partners to evaluate pricing and risk
• Apply underwriting guidelines, authority limits, and pricing methodologies to determine appropriate coverage terms and rates
• Make underwriting decisions within assigned authority and recommend actions requiring additional review or approval
• Prepare and communicate underwriting analyses, pricing recommendations, and renewal strategies to business partners
• Support the RFP process, including responding to underwriting requirements and completing submissions through third-party platforms
• Collaborate with Sales, Account Management, Product, Pricing, Operations, and underwriting partners across product lines to develop coordinated customer solutions
• Build and maintain strong relationships with internal and external partners, support the development of underwriting expertise across the team, and serve as a trusted resource on underwriting strategies and risk assessment
• Identify opportunities to improve underwriting processes, tools, and reporting capabilities

What we’re looking for

Must-Haves:

• Bachelor's degree or equivalent work experience (4 years of experience in lieu of degree)
• 5+ years of Supplemental Health underwriting experience
• Strong analytical, communication, and relationship-building skills
• Ability to work independently and collaboratively in a fast-paced environment

Nice-to-haves:

• Expertise in experience rating and renewal underwriting

Application Deadline: Applications for this position will be accepted through 1/24/27 subject to earlier closure due to applicant volume.

What’s it like to work here?

At Lincoln Financial, 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 of Lincoln's core values and leadership attributes
• Leadership development and virtual training opportunities
• PTO/parental leave
• Competitive 401K and employee benefits
• Free financial counseling, health coaching and employee assistance program
• Tuition assistance program
• Work arrangements that work for you
• Effective productivity/technology tools and training

The pay range for this position is $94,875 - $151,800 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 (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services.

With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach.

Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice.

Lincoln is committed to creating an inclusive 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.

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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 are considered property of Lincoln Financial and are not subject to payment of agency fees.

Lincoln Financial ("Lincoln" or "the Company") 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, age, national origin or disability. Opportunities throughout Lincoln are available to employees and 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 (866) 922-6543.

This Employer Participates in E-Verify. See the E-Verify notices. Este Empleador Participa en E-Verify. Ver el E-Verify avisos.