Associate Underwriting Director - Individual Life Insurance

Company: Lincoln Financial Group
Location: Hartford
Posted on: April 5, 2021

Job Description:

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)

Relocation assistance is not available for this opportunity. Level:-- P3 --

Requisition #65827

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. General Purpose of Job As the Associate Underwriting Director, you will analyze and deliver on more complex Underwriting assignments/projects. You--are--responsible for underwriting life insurance applications within your--designated approval limit of up to $10,000,000 and up to age 85. You will--evaluate--assesses more complex risks to determine whether to accept an insurance application and determines the appropriate coverage/risk. In addition, you--will facilitate presentations at agency visits. Come join Lincoln's Life Underwriting & New Business Leading Edge team !-- Duties and Responsibilities Applies knowledge of more complex financial guidelines to make underwriting decisions. Champions and enhances organizational initiatives by positively influencing and supporting change management and/or departmental/enterprise initiatives within assigned area(s) of responsibility. Collaborates effectively with stakeholders to gather information necessary for decision making and to select profitable risks. Communicates effectively with customers to facilitate placement of business. Consults/Analyze on more complex assignments and/or projects for his/her assigned area(s) of responsibility. 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. Develops creative solutions for appeals and exceptions to meet customer needs while ensuring alignment to business strategies. 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 his/her designated approval limit of $10,000,000 and up to 85. Identifies and recommends process improvements that significantly reduce workloads or improve quality for his/her assigned area(s) of responsibility. Maintains knowledge on current and emerging developments/trends for assigned area(s) of responsibility, assesses the impact, and collaborates with management to incorporate new trends and developments in current and future solutions. Provides in depth training to less experienced team members on underwriting topics. Provides second signature review of life insurance applications Represents the company by facilitating presentations at agency visits and developing relationships with agents and partners. Serves as a resource to team members and applicable internal/external stakeholders on more complex assignments/projects for his/her assigned area(s) of responsibility. Serves as a subject matter resource to team members on financial and medical topics related to Underwriting and risk assessment. Education 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's) - Minimum Required Certifications Experience 3 - 5+ Years of Indivudual Life Underwriting experience that directly aligns with the specific responsibilities of the position (Required ) $5--Million signature limit minimum required with opportunity for growth 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.

Keywords: Lincoln Financial Group, Hartford , Associate Underwriting Director - Individual Life Insurance, Executive , Hartford, Connecticut