[Hiring] Group Underwriting Associate @Lincoln Financial

Role Description

We are excited to bring on a highly motivated Group Underwriting Associate to join our Underwriting team in early 2027! In this role, you will perform and deliver on routine assignments and projects within the Underwriting function. You will review customer information in response to insurance coverage requests to determine appropriate manual rate based on assessment of risks. You may recommend alternate coverage plans/levels based upon risk and pricing. In addition, you will bind LFG in transactions within their scope of authority for assigned insurance products.

• Reviews new business requests for proposals/coverage(s) for Life, Disability, Supplemental Health, Dental, and STD product lines in the Local Markets segment
• Adheres to departmental & compliance documentation and reporting requirements
• Binds LFG in financial transactions within their scope of authority by committing LFG to provide insurance coverage
• Collaborates with more senior underwriters to analyze information to prepare new business proposals, amendments, and suggested renewal action for potential release
• Develops an understanding of underwriting authority levels and appropriately escalates cases requiring senior underwriter, management, pricing, reinsurance, or other specialized review
• Partners with assigned HUB office to understand customer needs, communicate underwriting decisions, resolve questions, and identify solutions that balance competitiveness with appropriate risk management
• Develops underwriting judgment by evaluating pricing results, plan design, census, experience, participation, risk characteristics and other case-specific information to determine whether results are reasonable and appropriate
• Liaises with operational teams to ensure accurate preparation of plans with appropriate coverage level(s) & pricing
• Reviews and further develops knowledge of company insurance lines & policy coverages, broker/consultant relationships, underwriting & team guidelines, processes, and procedures, and business goals & objectives
• Reviews and recommends potential modifications in coverage(s) and/or coverage levels on insurance products based on customers’ price range
• Reviews customer financial health, performance, operations, and personnel levels to determine if additional safeguards or conditions should be included in pricing and risk assessment
• Supports and promotes change management and/or departmental/enterprise initiatives
• Under guidance and direction as needed from management & senior underwriters, develops judgment to accept, reject or modify prospective and renewal business for all group insurance lines to ensure a profitable and growing book of business, based upon risk assessment
• Works with senior underwriters & management and educational providers to enhance knowledge and experience in underwriting techniques, decision-making & problem-solving methods, and sales & negotiating skills

Qualifications

• 0 - 1+ Years of experience in individual or group insurance directly aligned to the specific responsibilities for this role
• Demonstrates excellent organizational skills with ability to prioritize workload and multi-task while maintaining strict attention to detail
• Confident, comfortable communicator with strong written and verbal communication skills
• Proficiency with Microsoft Office Suite (Word, Excel)
• 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's)

Application Deadline

Applications for this position will be accepted through December 18th, 2026, subject to earlier closure due to applicant volume.

Benefits

• 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

Company Description

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.