[Remote] Underwriting Sr. Consultant, Executive Benefits Job Details | Lincoln Financial

Note: The job is a remote job and is open to candidates in USA. Lincoln Financial is a company that helps people confidently plan for their financial future. They are seeking an Underwriting Sr. Consultant to join their Executive Benefits Team, focusing on employer-owned life insurance programs and ensuring compliance with underwriting guidelines.

Responsibilities

• 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

Skills

• 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
• Industry Exams – LOMA encouraged

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
• 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

Company Overview