Underwriting Sr. Consultant, Executive Benefits at Lincoln Financial

Underwriting Sr. Consultant, Executive Benefits

We are excited to bring on an Underwriting Sr. Consultant to join our Executive Benefits Team, supporting our Retail Solutions Business in a work from home environment. Background details we are growing expanding our customer reach and market share! As an Underwriting Sr. Consultant for Lincoln's Executive Benefits Team, you will support employer owned life insurance programs focused on executive and employee benefit funding solutions. This role underwrites COLI/BOLI/ICOLI programs while ensuring strong risk selection, regulatory compliance, and institutional underwriting discipline. The ideal candidate brings deep COLI expertise, medical and financial underwriting judgment, and the ability to partner effectively with sales, product, case management, and reinsurance teams.

What you'll be doing underwrite guaranteed issue (GI) and simplified issue (SI) COLI cases in accordance with carrier guidelines and program parameters analyze lives within executive and broad based COLI/BOLI/ICOLI programs determine appropriate ratings, underwriting actions, and capacity decisions review compensation data, employee classifications, and benefit structures assess financial justification consistent with employer owned life insurance standards ensure policy face amounts align with program intent and eligibility requirements underwrite in compliance with IRC 101(j) notice and consent requirements ensure adherence to carrier COLI governance standards and underwriting guidelines support internal review committees and large case decision processes perform medical underwriting as required apply thorough knowledge of qualified purchaser and accredited investor definitions to support program eligibility, structure, and regulatory alignment builds and maintains strong relationships with internal and external partners

What we're looking for must-have experience (required): bachelor's degree or 4+ years of comparable work experience 5-7+ years of experience in underwriting individual life insurance demonstrated excellence in: problem solving / analysis; comprehension of complex information; influencing others; risk assessment; demonstrated decision making using sound judgment; negotiation skills; managing conflict developed skills in analyzing and interpreting complex financial documents including profit/loss statements, income statements, and balance sheets 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 nice-to-have experience (preferred): industry exams loma encouraged

What you will learn, do, become: build financial acumen skills on complex financial topics become a subject matter expert in an area of industry interest learn to deepen innovative skills participated in agency/customer visits opportunities to learn, grow, promote

Application deadline applications for this position will be accepted through June 30, 2026, 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

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 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.