Sr. Life Underwriter (Consultant) LIBRA Team

at Lincoln Financial Group in Portland, Maine, United States

Job Description

Alternate Locations: Work from Home; Atlanta, GA (Georgia); Austin, TX (Texas); Bakersfield, CA (California); Baltimore, MD (Maryland); Baton Rouge, LA (Louisiana); Birmingham, AL (Alabama); Boise, ID (Idaho); Boston, MA (Massachusetts); Buffalo, NY (New York); Canonsburg, PA (Pennsylvania); Charlotte, NC (North Carolina); Chicago, IL (Illinois); Cincinnati, OH (Ohio); Cleveland, OH (Ohio); Columbia, SC (South Carolina); Columbus, OH (Ohio); Concord, NH (New Hampshire); Dallas, TX (Texas); Deerfield Beach, FL (Florida); Denver, CO (Colorado); Detroit, MI (Michigan); Dover, NH (New Hampshire); Durham, NC (North Carolina); Edina, MN (Minnesota); Edison, NJ (New Jersey); Ellicott City, MD (Maryland); Fayetteville, SC (South Carolina); Florence, SC (South Carolina); Fort Lauderdale, FL (Florida); Fort Wayne, IN (Indiana); Fort Worth, TX (Texas); Gainsville, FL (Florida); Glen Allen, VA (Virginia); Glendale, CA (California); Greensboro, NC (North Carolina); Greenwood Village, CO (Colorado); Hartford, CT (Connecticut); Houston, TX (Texas); Huntsville, AL (Alabama); Indianapolis, IN (Indiana); Irvine, CA (California); Jacksonville, FL (Florida); Johnson City, TN (Tennessee); Kansas City, KS (Kansas); La Jolla, CA (California); Lexington, KY (Kentucky); Los Angeles, CA (California); Louisville, KY (Kentucky); Lutherville, MD (Maryland); Madison, WI (Wisconsin); Memphis, TN (Tennessee); Miami, FL (Florida); Milwaukee, WI (Wisconsin); Minneapolis, MN (Minnesota); Nashville, TN (Tennessee); New York, NY (New York); None; Norwood, OH (Ohio); Omaha, NE (Nebraska); Orlando, FL (Florida); Palm Desert, CA (California); Paramus, NJ (New Jersey); Parsippany, NJ (New Jersey); Philadelphia, PA (Pennsylvania); Phoenix, AZ (Arizona); Pittsburgh, PA (Pennsylvania); Plano, TX (Texas); Plymouth Meeting, PA (Pennsylvania); Portland, ME (Maine); Portland, OR (Oregon); Radnor, PA (Pennsylvania); Raleigh, NC (North Carolina); Richmond, VA (Virginia); Rochester, NY (New York); Rockville, MD (Maryland); Rolling Meadows, IL (Illinois); Rye Brook, NY (New York); Sacramento, CA (California); Salt Lake City, UT (Utah); San Antonio, TX (Texas); San Diego, CA (California); San Francisco, CA (California); San Ramon, CA (California); Schaumburg, IL (Illinois); Scottsdale, AZ (Arizona); Seattle, WA (Washington); Southfield, MI (Michigan); St. Louis, MO (Missouri); Syosset, NY (New York); Tampa, FL (Florida); Toledo, OH (Ohio); Tupelo, MS (Mississippi); US All Regions; US Midwest; US Northeast; US Southeast; US Southwest; US West; Vienna, VA (Virginia); Virginia Beach, VA (Virginia); Walnut Creek, CA (California); Washington, DC (District of Columbia); Westlake Village, CA (California); White Plains, NY (New York); Windsor, CT (Connecticut); Woodmere, OH (Ohio)

Work Arrangement: Work from Home

Relocation assistance: : is not available for this opportunity.

Pay Range: $63,100 – $137,900

Bonus Potential: 5%

Requisition #: 69331

The Role at a Glance

We are excited to bring on a Sr. Underwriter (Consultant) to our Life Underwriting & New Business area to work Full Time from Home. This position will not require the employee to come into the office.

Background Details

+ We are growing – expanding our customer reach and market share!

As a Sr. Underwriter for Lincoln, you will analyze and deliver on more complex Underwriting assignments & projects. You are responsible for underwriting individual life insurance applications within their designated approval limit of up to $5,000,000 and up to age 85. You will evaluate & assess more complex risks to determine whether to accept an insurance application and determine the appropriate coverage & risk. If this sounds like you, please read on!


Opportunity to Connect with our Lead Recruiter:

+ Cathy Wilson

LinkedIn Profile (

What you’ll be doing:

+ Underwriting Individual Life Insurance – Making critical risk decision on 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 more complex underwriting determinations.

+ Evaluates and underwrites life insurance applications making determinations of the terms, coverage, and rating classification within their designated approval limit $2,000,000 to $5,000,000 and between ages 70 to 85.

+ Identifies and recommends process improvements that significantly reduce workloads or improve quality

+ Mentoring & Providing second signature review of life insurance applications

+ Provides training to less experienced team members on underwriting procedures and guidelines.

+ Represents the company by responding to questions during agency visits and developing relationships with agents and partners.

What we’re looking for:


+ 3 – 6+ 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

+ Undergraduate degree or 4+ years of comparable work experience


+ Industry Exams – ALU 101, 201, 202, & LOMA encouraged

+ Developed Skills in: Estate Growth Calculations and Life Expectancy Calculations

What you will Learn, Do, Become:

+ Build Business Acumen skills on Complex Medical Topics

+ Build Financial Acumen skills on Complex Financial / IOLI Topics

+ Become a Subject Matter Expert in an area of industry interest

+ Learn to deepen Innovative Skills

+ Participate in Agency/Customer Visits

What’s it like to work here?

At Lincoln Financial Group, 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:

+ A clearly defined career framework to help you successfully manage your career

+ 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

+ A leadership team that prioritizes your health and well-being; offering a remote work environment and flexible work hybrid situations

+ Effective productivity/technology tools and training

Work Arrangement

Work from Home : Employees will work from home and are not required to work in a Lincoln office on a regular basis.

Lincoln will evaluate the following when setting the successful candidate’s wage rate:

• Prior work or industry experience.

• Education level to the extent education is relevant to the position.

• Unique skills

About The Company

Lincoln Financial Group, a Fortune 200 company with over 10,000 employees, provides advice and solutions that help empower Americans to take charge of their financial live

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Job Posting: JC212890304

Posted On: May 08, 2022

Updated On: May 28, 2022